SMB Tools / Owner Readiness Check

Are you ready to own a business?

Twelve honest questions about your money, time, experience, and temperament, and a clear read on your strengths, your gaps, and what to shore up before you leap.

Question 1 of 12

If the business made no money for the first six months, could you cover your personal expenses?

More tools

All 24 free tools

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.

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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.

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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.

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Acquisition analyzer

Pressure-test a specific deal: cash needed at close, whether the earnings cover the loan, and your cash-on-cash return, the three numbers a lender and a buyer test, in one place.

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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 →