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Evaluate the Deal.
Stress the Structure.
Move with Confidence.

A first-time buyer friendly SBA calculator with an advanced mode for projections, structure pressure-testing, and a lender-style DSCR view.

Deal Verdict

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Workable

Deal Inputs

Start with the purchase price and adjusted SDE. The calculator imputes the multiple and defaults to a simple SBA acquisition structure.

Adjusted SDE

Trailing twelve-month seller discretionary earnings used for valuation and coverage.

Purchase Price

Total business purchase price before working capital adjustments.

Owner Compensation

Used in DSCR as owner replacement/market compensation.

Annual SDE Growth (%)

Used for 3-year projections and the 2-year average DSCR view.

Implied Multiple Paid

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Advanced Mode

Turn on to customize the structure and reveal 3-year projections.

Off On

SBA Structure

Default model uses 10% buyer equity, 10% seller note, and 80% SBA debt with first-time buyer friendly starter assumptions.

Buyer Equity

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10% of price by default.

Seller Note

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10% of price by default.

SBA Loan

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80% of price by default.

Advanced Structuring

Override the default 10 / 10 / 80 structure, debt terms, and scenario assumptions.

Buyer Equity (%)

Seller Note (%)

SBA Loan (%)

SBA Rate (%)

Amortization (Years)

Downside Shock (%)

Seller Standby (Years)

Percentages are of purchase price. Keep totals near 100% for a realistic capital stack.

Coverage & Returns

Guidance: 1.75+ strong, 1.5+ bankable, 1.35–1.5 workable, under 1.35 tight.

DSCR (Year 1)

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DSCR (2-Year Avg)

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Average of Year 1 and Year 2 coverage.

Cash on Cash

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Year 1 cash flow after debt divided by buyer cash.

Downside DSCR

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Coverage if EBITDA drops by your downside shock.

Max Bankable Price

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Approx. max purchase price that still lands at 1.50x Year 1 DSCR under the current structure.

Year	EBITDA	Debt Service	DSCR	Cash Flow After Debt

Projection view uses your growth assumption and holds debt service level for a simplified SBA planning model.

Snapshot

Purchase Price

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Adjusted SDE

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Implied Multiple

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Annual Debt Service

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Cash Flow After Debt

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What This Means

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Glossary & FAQ

What is DSCR?

Debt Service Coverage Ratio measures how comfortably the business can cover annual debt service after owner compensation. Higher is safer.

What does seller standby do?

Seller standby delays payments on the seller note, which can materially improve early-year DSCR and make a deal more lender-friendly.

How is max bankable price calculated?

This estimate backs into the highest purchase price that would keep Year 1 DSCR at about 1.50x under the current debt mix, rate, term, owner compensation, and seller-note treatment.

Are these SBA assumptions exact?

No. This is a planning tool. Lender fees, standby requirements, collateral, global cash flow, and deal quality can all change the real outcome. SBA lenders also look at historical earnings quality and often care more about trailing years than aggressive growth assumptions.

What about high-growth businesses or non-SBA debt?

Fast-growing businesses can underwrite better than their trailing SBA metrics suggest, but traditional SBA lenders may still anchor to the prior years. That is where non-SBA structures and alternative lenders can become useful.

What is a good cash-on-cash return for SBA-sized deals?

As a rule of thumb, 25%+ is strong, 15–25% is often respectable, and below that usually means the price, structure, or risk profile needs a closer look.

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Capture the lead by sending the results to the buyer and your inbox. Replace the form action with your form tool or webhook.

CTA

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Submit Your Deal 949.990.4910

Evaluate the Deal.
Stress the Structure.
Move with Confidence.

Deal Inputs

SBA Structure

Advanced Structuring

Coverage & Returns

Get in touch with us!

PHONE

949.990.4910

EMAIL

engage@x10ventures.com

Evaluate the Deal.Stress the Structure.Move with Confidence.

Deal Inputs

SBA Structure

Advanced Structuring

Coverage & Returns

PHONE

949.990.4910

EMAIL

engage@x10ventures.com

Evaluate the Deal.
Stress the Structure.
Move with Confidence.