SMB Tools / Acquisition Analyzer

Does this deal actually work?

Put the price, the financing, and what the business earns in one place, and see the three things that decide it: the cash to close, whether the earnings cover the loan, and what you make on the money you put in.

The purchase

Purchase price?

Down payment?

Closing costs?

Working capital?

The financing

Interest rate?

Term?

years

What it earns

Annual SDE?

Debt-service coverage2.02x

Cash-on-cash return

84.0%

At 2.02x coverage the cash flow comfortably carries the loan, with $75,615 a year left over.

Cash to close: $90,000
Debt service / yr: $74,385
DSCR: 2.02x

Annual SDE$150,000

Annual debt service-$74,385

Cash flow after debt$75,615

A planning estimate, not financing advice. Verify the seller’s SDE in diligence and model the real offer with your lender. Size the loan in the SBA calculator →

More tools

Business Fit Finder

Answer a few questions about your budget, skills, time, and appetite for risk, and see which of the 150+ business models genuinely fit you - then dive straight into them.

Open fit finder →

Owner Readiness Check

An honest read on whether you are cut out to own and run a business - your strengths, your gaps, and what to shore up before you leap.

Open readiness →

Startup cost estimator

Build a realistic picture of what it costs to open, by business type, so you know how much capital you need before day one.

Open startup cost →

Business valuation calculator

Estimate what a business is worth using the SDE multiples buyers and brokers actually use, and see what drives the number up or down.

Open valuation →

ROI & payback calculator

See how long an investment takes to pay back and the return it earns - for a piece of equipment, a buildout, or a whole acquisition.

Open roi →

SDE & add-back calculator

Normalize a seller's profit into Seller's Discretionary Earnings - the number buyers and brokers actually value a business on - by adding back owner pay, non-cash charges, and one-offs.

Open sde →

SBA loan & financing calculator

Model an SBA 7(a) or conventional loan: monthly payment, total interest, and whether the cash flow can actually carry the debt.

Open sba loan →

Entity & tax chooser

LLC, S-corp, or sole prop? Compare the structures and see the estimated tax difference in real dollars for your situation.

Open entity & tax →

Domain name search

Check whether the .com, and the alternatives, are available for your business name without bouncing between registrars.

Open domain →

Trademark search

A first-pass screen of the federal trademark register, so you can spot conflicts before you commit to a name.

Open trademark →

Business name generator

Generate name ideas for your concept, then check the domain and trademark on the strongest ones in the same flow.

Open name ideas →

Breakeven & margin calculator

Find the revenue you need to cover costs, your contribution margin, and how a change in price or cost moves the line.

Open breakeven →

Pricing calculator

Set prices that hold their margin - markup versus margin, cost-plus, and target-margin, with the math worked out for you.

Open pricing →

True cost of hiring

What an employee really costs - wages plus payroll taxes, benefits, workers comp, and overhead - as one fully loaded number.

Open hiring cost →

Commercial lease analyzer

Turn a headline rent quote into the true all-in cost of a lease over its term - escalations, NNN, free rent, and build-out - and compare options on equal footing.

Open lease →

Inventory reorder & EOQ

For product businesses: the stock level to reorder at so you never run out during lead time, and the order size that keeps ordering and holding costs in balance.

Open inventory →

Cash flow forecaster

Project your cash in and out month by month, so you see a crunch coming with enough time to do something about it.

Open cash flow →

Marketing ROI calculator

See what a marketing dollar returns - cost per lead, cost per customer, and the payback on a campaign before you scale it.

Open marketing roi →

LTV & CAC calculator

Weigh what a customer is worth over their lifetime against what they cost to acquire - the ratio and payback period that tell you whether you can afford to grow faster.

Open ltv : cac →

Benchmarking tool

Compare your cost structure, margin, and key metrics against sourced operating benchmarks for your business model - free to run, with a free account to save check-ins and track your numbers month over month.

Open benchmarking →

Self-fundable growth calculator

Find the growth rate your own cash flow can fund, and how much outside cash a faster target would need before growth outruns your cash.

Open self-fundable growth →

Sale proceeds estimator

Estimate what you actually walk away with after a sale, once debt, fees, and taxes come out of the headline price.

Open sale proceeds →

Exit readiness check

Gauge how sellable your business is today, and the handful of things that raise its value most before you list it.

Open exit readiness →