For business buyers · SBA 7(a) acquisitions

Found a business for sale? See if the bank will finance it.

Enter the listing's price and earnings to estimate your loan payment, down payment, seller note and the debt coverage ratio (DSCR) lenders use to say yes or no.

Asking / purchase price ($)Seller's discretionary earnings (SDE) ($)Yearly owner benefit from the listingSalary you'll pay yourself ($)Your down payment (%)SBA often requires about 10%Seller financing (%)Bank / SBA interest rate (%)Bank loan term (yrs)SBA 7(a) acquisitions: usually 10 yearsSeller note rate (%)Seller note term (yrs)

Your deal at a glance

Debt coverage (DSCR)

1.31x

Meets the typical 1.25x bank minimum

Cash you bring (down payment): $75,000
Seller note: $75,000
Bank / SBA loan: $600,000
Bank monthly payment: $8,096
Seller note monthly payment: $1,450
Total yearly debt payments: $114,553
Cash left to pay debt (SDE − your salary): $150,000
Price ÷ SDE multiple: 3.41x

Build my bank-ready acquisition plan

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Everything a buyer needs to get financed

Purchase-price allocation that flows straight onto your opening balance sheet
SDE and EBITDA valuation estimator to check the asking price
12-month profit plan under your ownership, with worst / base / best case
Seller-note and SBA loan payments built into cash flow and DSCR
LOI, NDA and due-diligence request letters in your Document Vault
One-click lender package PDF and a directory of SBA lenders and CDCs

Estimates only. Actual loan terms depend on your lender, credit, and the business's verified financials.