Business acquisition financing tools
Run the numbers before you make the offer. These free tools help model valuation, seller financing, the capital stack, loan payments, debt coverage and basic SBA eligibility using consistent assumptions.
Step 1
Valuation and SDE
What are the earnings, and what is the business worth on them?
Normalize the owner’s earnings into SDE, then apply your own multiple range to get an indicative value. Every add-back is itemized, with a conservative case alongside.
Open the valuation and sde toolStep 2
Seller financing
What does a seller note actually cost, and what is owed at maturity?
Model the seller note, including standby and interest-only periods, and see the balloon it leaves behind.
Open the seller financing toolStep 3
Capital stack
How does the whole purchase get funded?
Sources against uses, with the senior loan solved as the remainder. Shows the funding gap, the debt service and the worst year.
Open the capital stack toolStep 4
Acquisition loan
What is the payment, and what does the schedule look like?
A full amortization schedule for the senior loan, month by month, with total interest and any balloon. Downloadable.
Open the acquisition loan toolStep 5
DSCR
Can the target’s cash flow cover the debt?
The coverage ratio on the whole structure, after adjusting seller-reported earnings toward what a lender may underwrite.
Open the dscr toolStep 6
SBA eligibility
Does this deal fit the SBA program, or does it need another route?
Screens the baseline SBA requirements and says which questions still need review. It approves nothing.
Open the sba eligibility tool
The numbers are connected
Change the seller note and the senior loan changes. Change the loan amount, rate or term and debt service changes. Change the earnings and the coverage ratio changes.
The calculators use consistent assumptions so you can model the pieces together. Every result is free and nothing is held behind an email address.
They are planning tools — not lender approvals.
What the tools assume
- Monthly compounding on a nominal annual rate, with the payment at the end of each month. No daily accrual and no rate resets.
- Amounts in US dollars. Interest and each payment are rounded to the cent every month, and the final installment absorbs the difference, so a schedule's columns add up.
- Any rate shown as a default carries the date it was recorded and its source. A rate you type is your own assumption, and it is labeled that way.
- Balanced sources and uses is arithmetic. It is not a statement that the structure is fundable.
Illustrative results for planning. Not a financing commitment, financial advice or legal advice.
Read the thinking behind the numbers
The tools give you the arithmetic. These explain what a lender does with it.
- SBA Loan vs. Conventional Loan: Breaking It Down with a $5 Million ExampleSBA against conventional financing on a $5 million acquisition: the rates, the interest each route costs over ten years, and which one suits which buyer.
- Proof of Funds for Buying a Business: What Actually Impresses Sellers and LendersWhat sellers, brokers and lenders actually accept as proof of funds when you buy a business, and why a bank statement alone rarely does it.
- Acquisition Financing Document Checklist: What Lenders Need and WhyThe documents a lender needs after you sign the LOI, what each one proves, and why the list is shorter than it looks.
Want us to pressure-test the actual deal?
Send us the business, buyer profile and proposed structure and we can look at the financing with you.
Discuss a transactionHave a deal in front of you?
Whether you have a signed LOI, are preparing an offer or are still evaluating the opportunity, send us the basic numbers and where you are in the process. We’ll look at the business, buyer and proposed structure and determine what the financing path may look like.