Buyer readiness
Review modeled cash need, liquidity after close, credit range, and relevant experience.
Buyer and deal readiness tool
SBA Business Acquisition Loan Qualification Calculator
A financeable buyer still needs a financeable deal. Assess cash, liquidity, credit, experience, operating history, debt service, and business cash flow together.
No approval claimsBuyer + dealComplete results first
A clearer first pass
Qualification is more than a credit score.
This model deliberately evaluates both sides of an acquisition: the buyer's ability to support the transaction and the business's ability to support the debt.
Deal financeability
Compare business cash flow with modeled debt service and confirm operating history.
Actionable gaps
Receive a plain-language list of strengths and issues to pressure-test next.
Methodology
How the qualification model works.
The score is a transparent Emporio planning model. It is not a lender score, SBA approval model, pre-approval, or promise of financing.
- The model uses 10% buyer equity plus a 3% planning cushion to make cash needs visible.
- It compares business cash flow with annual debt service and weighs buyer liquidity, credit, experience, and operating history.
- Primary sources: SBA 7(a) loans and SBA SOP 50 10.
Reviewed by: Emporio Partners
This tool is for education and planning only. It does not provide loan approval, pre-approval, a commitment to lend, or a guarantee of financing. Final eligibility, structure, terms, and approval are determined by participating lenders after full underwriting.
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