Acquisition Tools
Purpose-built calculators for buyers
Free, live-updating calculators for the moments that matter most: figuring out the actual earnings of a business, modeling whether an SBA loan will pencil, comparing financing structures, and stress-testing a deal across the diligence signals that predict regret.
Every calculator
- Signature
Deal Viability Calculator
Will the cash flow cover the debt? Slide the inputs to model an SBA-financed acquisition over its 10-year amortization, with safe/tight zone bands and a verdict pill.
Open calculator → - Valuation
SDE Calculator
Calculate Seller's Discretionary Earnings — the standard small-business earnings metric. Live breakdown plus valuation estimate at typical SDE multiples.
Open calculator → - Financing
DSCR Calculator
Will an SBA lender approve the loan? Run debt-service-coverage math against the 1.15× SBA floor and the 1.25× conservative threshold.
Open calculator → - Financing
Financing Comparator
SBA 7(a) vs SBA 504 vs conventional vs seller note — same purchase price, side by side. Down payment, rate, term, monthly payment, total interest.
Open calculator → - Diligence
Deal Risk Scorer
Six diligence signals → one 0–100 composite score. The breakdown surfaces the top contributors so you know where to dig deeper.
Open calculator → - Financing
Seller Note Builder
Standby + amortization + optional balloon. Defaults match the SBA full-standby rule for seller notes counting toward equity injection.
Open calculator →
Try it now · Signature interactive
Will the cash flow cover the debt?
The Deal Viability Calculator models an SBA-financed acquisition over its 10-year amortization. Slide the inputs to see whether the deal will get approved and whether you'll have buffer for surprises.
Will the cash flow cover the debt?
Open the standalone page to load defaults for a specific business type →