Free Calculator

Can I afford to buy a business?

Enter your real numbers. Get your actual acquisition budget, SBA loan estimate, and the exact price range you should be targeting.

Your Situation

Liquid savings / investable cash (what you can put in)

Annual W2 / stable income (last 2 years avg)

Existing monthly debt payments (mortgage, car, etc.)

Credit score (approximate)

Risk tolerance

Business type you want to buy

Your Acquisition Budget

$0 – $0

Based on your savings, income, and SBA qualification

Max SBA Loan Amount

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SBA 7(a) up to $5M · 10-year term · ~10.5% rate

Your Down Payment

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SBA requires 10–20% equity injection

Monthly Loan Payment

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Estimated at 10.5% over 10 years

Min. Business Profit Needed

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To hit 1.25x DSCR (SBA requirement)

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The Deal Analyzer scores any listing 0–100. Run your top candidates through it before spending hours on due diligence.