SBA Acquisition Deal Analyzer (Excel Spreadsheet)

Thinking about buying a business with an SBA 7(a) loan? Enter the price and earnings and this spreadsheet shows the full picture: valuation multiples, sources and uses, the SBA loan, your equity injection, seller note, estimated guaranty fee, monthly payments, DSCR and the cash flow left after debt service. Change any input and everything updates.

What's included

• Deal Analyzer: purchase price, SDE, Adjusted EBITDA, Price/SDE, Price/EBITDA and Price/Revenue multiples
• Sources & uses with SBA 7(a) loan sizing, 10% equity injection and seller-note standby rules (current SOP 50 10 8.1 logic)
• Estimated SBA upfront guaranty fee by loan-size tier, financed or paid in cash
• DSCR, cash flow after debt service, cash-on-cash return, and the maximum loan and price the cash flow supports at your target DSCR
• Automatic Deal Checks: DSCR vs. target, $5M loan limit, equity minimum, seller-note treatment, rate-cap check
• Full SBA loan amortization (monthly + yearly) and seller-note schedule
• Sensitivity tables: DSCR by price and interest rate, and cash flow and DSCR by earnings and price
• Editable SBA Assumptions tab, Start Here instructions and a 5-page quick-start PDF with a worked example
• Works in Microsoft Excel and Google Sheets

Instant digital download.

Disclaimer. Educational tool only, not financial, legal or lending advice, and not a loan offer. Example inputs are fictional. SBA rules, rates and fees change; verify current terms with an SBA lender. Loans must be repaid, and buying a business involves risk of loss.