Acquisition DeskEstimate the financing behind a small-business acquisition.
Model the purchase price, buyer contribution, SBA loan, seller financing, working capital, and debt service. Review estimated debt-service coverage and cash remaining after debt.
No account required.
Financing Assumptions
Estimated Results
Your estimated financing results will appear here.
Enter a purchase price and cash flow estimate to review buyer cash, SBA debt, debt service, DSCR, and cash remaining after debt.
Understanding the estimate
How acquisition financing changes the economics of a deal.
Total project cost
The purchase price is only one part of the financing need. Working capital, transaction costs, and other eligible or buyer-funded uses can increase the total project cost.
Buyer cash
The buyer contribution is one source within the financing structure. The actual amount required depends on the deal, lender, loan structure, seller financing, underwriting, and other circumstances.
Debt service
Debt service includes the principal and interest payments required by the modeled SBA loan and any seller financing that is currently making payments.
Debt-service coverage ratio
Debt-service coverage ratio, or DSCR, compares available cash flow with estimated annual debt obligations. It is a screening metric, not a loan approval decision.
Cash remaining after debt
Cash remaining after debt service helps a buyer understand how much modeled cash flow remains after financing payments. Buyers should also consider taxes, capital expenditures, working-capital needs, future hiring, owner compensation, and other business requirements.
Frequently asked questions
Evaluate the complete opportunity, not only the loan payment.
Bring the listing, Buy Box, financing assumptions, risks, broker questions, documents, and diligence process into one organized workspace.
No credit card required.