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What can you actually buy?

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.

Prime 6.75% · as of 1 Aug 2026 · Federal Reserve H.15, August 2026 · set by Revanu

01 — What you have
Cash available$300,000
Held back for costs15% · $45,000
Closing costs and working capital. Explicit and yours to change rather than a hidden assumption.
02 — Your constraint
Most you can pay a month$12,000
03 — The financing
Down payment15%
Rate and term9.75% · 10 years
Prime 6.75% + 3.00% (SBA 7(a) maximum spread, Over $350K) · Federal Reserve H.15, August 2026
04 — A business in mind
Its asking priceOptional
Your price band
$842K – $1.05M

Your monthly capacity is what is holding you back. You have equity for $1,700,000, but $12,000 a month only services $1,051,962. A longer term, or a bigger payment, moves the ceiling.

Cash at close
$158K
At the top of the band
Monthly payment
$12,000
$917,640 financed
Minimum EBITDA needed
$180K
To clear 1.25× coverage
Held back
$45K
Costs and working capital
In your band right now
See all in range →

Nothing listed in $842K – $1.05M at the moment. Widen the band by raising your down payment or your monthly ceiling, or browse everything and filter from there.

How we got here
Every line comes from the controls on the left.
Cash available
$300,000
Held back, 15%
Closing costs and working capital. Yours to change.
− $45,000
Usable equity
$255,000
At 15% down, your cash reaches
$1,700,000
$12,000 a month services
With the SBA guarantee fee financed, as the loan calculator prices it.
$1,051,962
The lower of the two is your ceiling
$1,051,962
Band floor
A stated convention, not a measurement: 80% of the ceiling leaves room for costs and negotiation.
$841,570
Next, the loan

Take the top of your band, $1,051,962, to the SBA calculator to see what the loan on it costs a month.

Price the SBA loan

The band floor is 80% of the ceiling — a stated convention, not a measurement. Sector earnings multiples are illustrative until real data replaces them. Benchmarks, not offers, appraisals, or advice. Every result here shows the arithmetic that produced it so you can argue with it. Rates and fees vary by lender and by borrower.