Acquisition Calculator
Financing Comparator
SBA 7(a), SBA 504, conventional, and seller-note financing — same purchase price, side by side. Down payment, rate, term, monthly payment, and total interest update live as you change the inputs.
The all-in deal price (business + equipment + working-capital baseline)
| Structure | Down | Loan | Rate | Term | Monthly | Total interest |
|---|---|---|---|---|---|---|
| SBA 7(a) | $50,000 | $450,000 | 11.0% | 10yr | $6,199 | $293,850 |
| SBA 504 | $50,000 | $450,000 | 7.5% | 25yr | $3,325 | $547,638 |
| Conventional | $125,000 | $375,000 | 9.5% | 7yr | $6,129 | $139,835 |
| Seller note | $0 | $500,000 | 7.0% | 5yr | $9,901 | $94,036 |
SBA 7(a)
Prime + 2.75–4.75%. 10-yr amortization for goodwill-heavy acquisitions.
SBA 504
Blended bank + CDC rates. Real-estate-heavy deals only. 25-yr term.
Conventional
Bank business loan. Higher down payment, shorter term.
Seller note
Seller-carried financing. Often layered with another primary loan (down % shown applies to seller-note portion).
When to use each structure
SBA 7(a) — the workhorse for goodwill-heavy small business acquisitions. 10% minimum down, 10-year amortization, no balloon. Best when the deal is mostly goodwill. SBA loans explained.
SBA 504 — designed for real-estate-heavy deals. Blended bank + CDC structure with 25-year term on the real estate. Lower blended rate but only relevant when the building is part of the deal.
Conventional — bank business loan. Higher down (typically 25%+) and shorter term (5–7 years). Faster to close than SBA but less leverage.
Seller note — seller-carried financing. Often layered with a primary loan to bridge the gap, especially when the buyer is short on cash. Build the note structure.