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Enter any deal's numbers to instantly calculate DSCR, EV multiple, payback period, cash-on-cash return, and SBA loan viability — no sign-up required.
BUSINESS FINANCIALS
Total purchase price
Gross sales / top-line revenue
Seller's discretionary earnings or EBITDA
Annual payments on existing business debt
SBA LOAN PARAMETERS
%
%
yr
SBA 7(a) loans typically allow 10–30% down, 5.5–8% rate, and 10-year terms for business acquisitions.
DEBT SERVICE COVERAGE RATIO
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Enter deal numbers on the left to see results.
DOWN PAYMENT
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10% of asking price
LOAN AMOUNT
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90% financed
ANNUAL PAYMENT
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SBA debt service / yr
EV MULTIPLE
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Ask ÷ EBITDA
EBITDA MARGIN
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EBITDA ÷ Revenue
PAYBACK PERIOD
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Ask ÷ EBITDA
CASH-ON-CASH ROI
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EBITDA ÷ Down payment
DSCR VERDICT
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10% down SBA 7(a)
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Browse listings free →What is DSCR?
Debt Service Coverage Ratio = EBITDA ÷ Annual Debt Payments. Lenders require ≥1.25× for SBA loans. Below 1.0× means the business can't cover its own debt.
What is EV Multiple?
Enterprise Value Multiple = Asking Price ÷ EBITDA. Main Street businesses typically trade at 2–4×. Lower multiples mean more value for the buyer.
What is SDE?
Seller's Discretionary Earnings — EBITDA plus the owner's salary and perks. Used for smaller businesses (<$5M revenue) to show true owner benefit.
Cash-on-Cash ROI
Your first-year return on the cash you put in (down payment). 20%+ is considered strong. This doesn't account for debt paydown or appreciation.