Model your acquisition financing structure in real time. Layer debt, set your equity injection, and instantly see your DSCR, debt payments, and capital stack balance.
Quick Start Guide
Input Deal Size: Enter the Purchase Price and Annual SDE (Seller's Discretionary Earnings).
Layer Debt: Adjust Bank and Seller Note amounts, rates, and terms.
Match Equity: SBA requires minimum 10% cash/standby equity. Ensure your Capital Balance reads $0.
Verify Outcome: A DSCR above 1.25x is the standard institutional bankability threshold.
Deal Configuration
Purchase Price
?Total enterprise value of the target business.
$
Annual Cashflow (SDE)
?Seller's Discretionary Earnings — cash available for debt service and owner compensation.
$
Implied Multiple: 0.00x
Bank Financing (Senior Debt)
LTV: 0.0%
Loan Amount
?Principal amount borrowed from a senior lender (e.g. SBA 7(a)).
$
Rate (%)
Term (Years)
Seller Note (Subordinated)
Carry: 0.0%
Note Amount
?Portion of the purchase price financed directly by the seller. Often placed on standby for SBA compliance.