Financing Readiness Calculator

Enter your deal details and buyer profile. The calculator shows which acquisition loan types you likely qualify for, the estimated monthly payment, and whether the business cash flow covers the debt service (DSCR).

US market · 2026 rates · SBA 7(a) assumes prime ~7.5%

Your Deal

Business asking price

Cash available for down payment

Business annual net income (NOI)Net operating income before debt service

Personal credit scoreIndustry experience

SBA 7(a) Loan

Likely eligible

DSCR 1.60x — meets 1.25x minimum

Down payment$50,000

Monthly payment$6,263 / mo

Rate / term11.3% / 10 yr

Total interest$301,512

DSCR1.60x ✓

Conventional Bank Loan

Not eligible

Need $100,000 (20.0% down); $75,000 available

Down payment$100,000

Monthly payment$6,335 / mo

Rate / term8.5% / 7 yr

Total interest$132,106

DSCR1.58x ✓

100% Seller Financing

Conditional

DSCR 1.14x — tight; seller may require a down payment

Down payment$0

Monthly payment$8,767 / mo

Rate / term8.0% / 6 yr

Total interest$131,197

DSCR1.14x ⚠

ROBS (Retirement Funds)

Conditional

$75,000 available — ROBS possible; setup costs $5K–$10K plus ongoing compliance

Cash at closing$0

Monthly paymentNone — no debt

Setup cost$5K – $10K

RequiresC-corp + 401(k) / IRA

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Estimates only. SBA 7(a) rate assumes prime ~7.5% + 3.75% spread (2026). Conventional assumes 8.5% / 7-year term. Seller financing assumes 8% / 6-year term. Actual terms depend on lender underwriting, documentation, and market conditions. DSCR = annual NOI ÷ annual debt service.

Read the guides behind the numbers:

How to Get a Loan to Buy a Business →SBA Loan vs Business Loan vs Private Lender →100% Seller Financing: The Complete Guide →