SBA Loan Calculator
Planning to buy a small business with an SBA 7(a) loan? This calculator helps you estimate your maximum offer price based on the company's cash flow, debt service coverage ratio (DSCR), and your deal structure. Adjust SBA loan terms, seller financing, and equity injection to see how different scenarios affect your purchasing power. For business owners, this tool shows how lenders evaluate your company's financials and what price a bank-backed buyer could realistically pay.
Deal Structure
Equity 10%
SBA 70%
Seller 20%
Typical Min SBA %
Debt Terms
| Financing Type | % of Deal | Rate | Term |
|---|---|---|---|
Equity Injection | 10% | — | — |
SBA Loan | 70% | % | yrs |
Seller Financing | 20% | % | yrs |
Financial Overview
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
Cash Flow Available for Debt Service | $114,088 | $260,936 | $699,411 |
Implied Maximum Offer Price
$358.1K
Average Three-Year Cash Flowx
$238.8K
Maximum Annual Debt Service| Interest Rate | Debt Service | Total | |
|---|---|---|---|
| Implied SBA Debt | 10.0% | $168.4K | $1.1M |
| Implied Seller Financing | 6.0% | $70.4K | $303.4K |
| Total Debt | $238.8K | $1.4M | |
| Equity Injection | $151.7K | ||
| Maximum Offer Price | $1,516,869 |
Owner services
Buyers services
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