Run the numbers before you talk to anyone.
Five tools covering what a business costs to finance, whether it pays for its own loan, and what you can reach. No account, no email, and every result shows the arithmetic behind it.
You have a figure in the bank. This says what it reaches, which constraint is holding you back, and shows the listings in that band.
What the loan on a specific business costs every month, what it costs in total, and how the balance falls year by year.
The question that actually kills deals. Whether the business earns enough to pay the loan, and by how much, against the threshold lenders use.
What happens when the seller carries part of the price. The same note read from the buyer’s side and the seller’s side.
Real acquisitions stack cash, a bank loan, a seller note and an earnout. This shows the whole stack and what it costs together.
They feed each other
Each one hands its answer to the next, so you are not retyping the same figures. Start anywhere.
- 01 →Affordability
Sets the price band you should be looking in.
Passes the price on - 02 →SBA 7(a) loan
Turns a price into a monthly payment and an annual debt service.
Passes the debt service on - 03 →Coverage
Tests the debt service against the business’s cash flow.
Passes the gap on - 04 →Seller financing
Closes a coverage gap by moving part of the price off the bank loan.
Passes the note on - 05Deal structure
Assembles every source and shows the combined obligation falling away.
The whole picture
From any listing
Every listing has a Run the numbers button. It opens the calculators already filled in with that business — its asking price, its revenue, its cash flow. You are not copying figures across, and the coverage ratio is against that specific business rather than a hypothetical.
Find a businessWhat these tools are not
Benchmarks, not offers or appraisals. Interest rates are the published SBA 7(a) maximums for the loan size, shown with their source and date; the SBA guarantee fee follows the published FY2026 schedule, and sector multiples are illustrative. Nothing here is lending, tax or legal advice. Every result names its assumptions so you can argue with them.