FREE BUSINESS BUYER TOOLS
Run the numbers before you move forward.
Use conservative estimates to focus your search. Base final decisions on verified information and qualified professional advice.
What does this deal leave you?
See the purchase, financing, and cash flow together. Start with the example, then enter a business you’re considering.
Your deal at a glance
Illustrative exampleUSD · annual business figures · first-year debt payments. Open ⓘ on a result to see its calculation.
ⓘ Annual cash flow after debt
SDE − additional expenses − bank and seller payments. Not take-home pay. Excludes tax, capex and changes in working capital.
ⓘ Total cash needed at closing
Contribution % × (price + closing costs + working capital), plus SBA fee. Assumes the modeled loans can fund remaining costs.
ⓘ Monthly loan payments
Bank + seller monthly payment. Bank debt amortizes at a constant rate; seller debt uses the selected payment type.
ⓘ Debt coverage (DSCR)
(SDE − additional expenses) ÷ annual debt payments. Below 1× means cash flow is below payments. No ratio if there are no payments. Lenders apply their own adjustments.
ⓘ Cash-flow multiple
Asking price ÷ annual SDE. Not meaningful for zero or negative SDE.
ⓘ Revenue multiple
Asking price ÷ annual revenue. No ratio if revenue is zero or unknown.
ⓘ Cash-flow margin (SDE)
SDE ÷ revenue × 100. Not an accounting net-profit margin.
ⓘ Total acquisition cost
Price + closing costs + working capital + upfront SBA fee. Excludes unentered costs and future interest.
ⓘ Total debt amount
Bank loan + seller note. SBA fee is paid in cash, not financed.
ⓘ Annual loan payments
12 × initial monthly payment. Balloon principal is excluded and shown separately.
ⓘ Simple equity payback
Cash at closing ÷ positive annual cash flow after debt. Constant-cash-flow estimate; ignores tax, growth, discounting, balloons and changes at loan maturity. Not shown for zero cash down or nonpositive cash flow.
ⓘ SBA upfront guaranty fee
Standard single 7(a) loan using the selected fiscal year and guaranteed bank-loan portion. Cash-paid. No SBA fee for custom financing. Confirm fees and exemptions with a lender.
ⓘ Cash-on-cash return
Annual cash flow after debt ÷ cash at closing × 100. Before tax, reinvestment and owner withdrawals. Not a promised return.
ⓘ Asking price
Your entered figure. Verify against financial records; not an appraisal.
ⓘ Annual revenue
Your entered figure. Verify against financial records; not an appraisal.
ⓘ Annual cash flow (SDE)
Your entered figure. Verify against financial records; not an appraisal.
Bank loan: $351,000 · Bank payment / month: $4,638 · Seller payment / month: $0
Educational scenarios, not lending or investment advice. Verify financials, taxes, capital needs, terms and eligibility before deciding. No information is submitted by this calculator.
Industry comparisons & default rates
No live industry dataset is connected. Add verified benchmarks below. These are user-supplied references, not Crestview averages or a prediction of this business’s default risk. Match industry, period and earnings definition.
- Asking price—Add a value, industry and source
- Annual revenue—Add a value, industry and source
- Annual SDE—Add a value, industry and source
- Cash-flow multiple—Add a value, industry and source
- Revenue multiple—Add a value, industry and source
- SDE margin—Add a value, industry and source
- Industry default rate—Add a value, industry and source
- All-industry default rate—Add a value, industry and source
How far could your cash go?
Set aside fees and reserves first. Estimate the purchase price your remaining equity could support.
ⓘ Available for equity
Cash less closing costs, working capital and personal reserve. Never less than zero.
ⓘ Illustrative purchase price
Available equity ÷ contribution percentage. Tests cash budget, not loan approval or ability to service debt.
Test the value behind the price.
Use supported earnings and a comparable multiple. Keep the earnings definition consistent with your comparison data.
ⓘ Estimated enterprise value
(Normalized earnings + supported adjustments) × selected multiple.
ⓘ Estimated equity value
Enterprise value − included debt + included surplus cash. Actual adjustments depend on deal structure.
Business buyer due-diligence checklist
An organized file for tracking financial, legal, operational, commercial, and employee requests.