Inputs
$
Total acquisition price (assets or stock deal, as applicable).
%
Common SBA minimum is often ~10% (varies by deal). Use your assumption.
% of price
If present, we assume it reduces the SBA loan amount (for modeling simplicity).
$
Use EBITDA for larger companies; SDE for owner-operator small deals.
Conservatively reduces cash flow if add-backs are uncertain.
Debt Service Coverage Ratio = cash flow ÷ annual debt service.
% APR
Use an estimate; SBA rates vary. This is for planning only.
years
SBA acquisition terms commonly ~10 years (varies).
$
If the business has existing debt you’ll assume/keep, model it here.
$
Optional. If you want to be conservative, subtract a manager/owner salary.
Disclaimer: This tool is for educational planning only and does not constitute an offer, approval, or commitment to lend.
Actual SBA eligibility, rates, fees, and underwriting requirements vary by lender and borrower profile.
Results
Estimated SBA loan amount
$—
Estimated monthly payment
$—
Estimated DSCR
—
—
Adjust inputs to see an affordability verdict.
| Effective cash flow (after adjustment) | $— |
| Annual debt service (SBA loan) | $— |
| Other annual debt service | $— |
| Total annual debt service | $— |
| Max annual debt service allowed (per DSCR target) | $— |
| Headroom (max allowed − total debt) | $— |
| Implied max purchase price (rough) | $— |
Document checklist (starter)
- LOI / signed term sheet
- 3 years business tax returns + interim financials
- Trailing 12-month P&L + balance sheet
- Debt schedule (existing loans, leases, cards)
- AP/AR aging (if applicable)
- Bank statements (business + personal)
- Resume / management experience summary
Notes
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