SBA 7(a) Loan Amortization & DSCR Solver

Underwrite 10-year SBA small business acquisition debt service, prime rate spreads, and bank DSCR approvals.

Acquisition & Financials

Total Business Purchase Price ($)

Seller Discretionary Earnings (SDE / EBITDA) ($)

Buyer Equity Down Payment (%)

SBA 7(a) Interest Rate (Prime + Spread) (%)

Loan Term (Years)

Annual SBA Debt Service (Principal & Interest)

$124,150 / yr

Debt Service Coverage Ratio (DSCR)

2.30x (High Bank Approval)

Required Buyer Cash Down

$85,000

Buyer Net Post-Debt Annual Cash Flow

+$160,850 / yr (189% Cash-on-Cash)