What will the loan payment be?
Estimate monthly principal and interest using the modeled loan amount, rate, and term.
Business acquisition financing tool
Business Acquisition Loan Calculator
Model the financing stack before you chase a deal. See the estimated loan payment, annual debt service, DSCR, cash to close, and cash flow left after debt.
Complete results firstNo credit pullPlanning estimate only
What it answers
One model for the purchase and the debt.
A purchase price alone does not tell you whether a deal works. The capital stack, cash flow, fees, working capital, and seller terms all change the answer.
Does cash flow cover debt?
Compare annual business cash flow with annual debt service using a planning DSCR.
How much cash reaches closing?
Separate the buyer contribution and out-of-pocket fees from financed working capital.
Methodology
How this acquisition loan model works.
The model subtracts buyer cash and seller financing from the purchase price plus financed working capital, then amortizes the resulting loan.
- Fees are modeled as buyer-paid cash at closing; actual lender treatment can differ.
- DSCR equals annual cash flow divided by modeled annual debt service.
- The model flags loans above the standard SBA 7(a) maximum of $5 million.
- Primary sources: SBA 7(a) loans and SBA SOP 50 10.
Reviewed by: Emporio Partners
This calculator is for planning and education only. It is not a loan approval, pre-approval, commitment to lend, or guarantee of financing. A participating lender determines eligibility, accepted cash flow, required equity, structure, terms, and final approval after full underwriting.
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