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Year 1 Cash Flow Projector

See your real first-year numbers after debt service, operating costs, and taxes. Supports all-cash, SBA 7(a), and seller-financed acquisitions.

Section 1 — The Deal
$
$
Net profit per month as reported by the seller
$
VAs, software, tools, or other costs beyond the seller's baseline
Section 2 — Financing
%
%
Monthly Payment —
Section 3 — Taxes
Combined federal effective rate on business income. Consult a CPA for your actual rate.
Down Payment Required
—
Capital needed at close
Monthly Debt Service
—
Loan payment per month
Monthly SDE (Base)
—
Seller's reported monthly profit
Monthly Net (Pre-Tax)
—
After debt service & extra costs
Annual Net Cash (After Tax)
—
12-month take-home
Cash-on-Cash Return
—
Annual net ÷ capital deployed
Payback Period
—
Months to recover initial investment

Year 1 — Month-by-Month Projection

0% growth applied
Month Revenue* SDE Debt Svc Pre-Tax Tax Net Cash Cumulative
* Monthly Revenue is estimated as Monthly SDE ÷ 0.40, assuming a 40% net margin. This is a rough approximation — actual margin varies significantly by business type. Use the SDE column as your primary performance metric.
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