Evaluate Business Acquisitions with Precision

Model SBA loans, seller financing, and complex deal structures in real-time

Business Details

Asking Price

Negotiated Price (aim for 10-15% off)

Annual Revenue

Seller's Discretionary Earnings (profit + owner salary)

Transaction Fees

Note: This is a simplified model. Actual closing costs vary by lender and may include appraisals, environmental assessments, and due diligence costs. Professional fees (legal, broker) can typically be financed into the SBA loan, while closing costs and the SBA guarantee fee must be paid in cash at closing.

Closing Costs (~1%, paid in cash)

Escrow, title, recording fees

Professional Fees (~1.5%, can finance)

Legal, broker, consultant fees

SBA Guarantee Fee (2-3.75% of SBA loan, paid in cash)

Fee varies by loan size: 2% under $500k, 3% for $500k-$1M, 3.75% over $1M

Financing Structure

Seller Equity Retained (0%)

Cash Down Payment (10%)

SBA Loan (80%)

Seller Financing (10%)

(consider 10%+ for seller commitment)

Under-financed: click on one of the "balance" buttons to balance funding

Funding Sources

Cash (out of pocket)

Down payment$46,715

Cash-paid fees$10,106

Total cash$56,821

SBA loan

Principal on price$373,720

Financed fees$7,250

Total SBA funding$380,970

Seller financing

Seller note amount$46,715

SpacerSpacer

Total seller funding$46,715

SBA Interest Rate (%)

SBA Term (Years)

Seller Interest Rate (%)

Seller Term (Years)

Deal Summary

Cash to Close

$46,715

ROI

171.0%

Monthly Cash Flow

$6,658

Annual Cash Flow

$79,898

Valuation Multiples

Asking Annual

3.33x

Negotiated Annual

3.00x

Asking Monthly

40.0x

Negotiated Monthly

36.0x

Financing Breakdown

Purchase Price:$450,000

Cash Required Fees:$10,106

Financed Fees:$7,250

SBA Loan Amount:$373,720

Seller Loan Amount:$46,715

Monthly Payments

SBA Payment:$4,939

Seller Payment:$903

Total Monthly:$5,842

Annual Debt Service:$70,102

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