Deal Vetting Calculator

Deal Assumptions

Deal Inputs

Asking price

Reported cash flow (annual)

Adjustments

Owner salary addback

Other lender-acceptable addbacks (can be negative)

Normalized salary (new hire)

Financing Inputs

Interest rate (%)

Term (years)

Cash injection (%) (max 50)

Working capital

Fees assumed (financed into SBA):

Closing costs: 2% of purchase price (financed)
SBA upfront guaranty fee: calculated (financed)

Notes: Quick-vet estimates only. This does not account for special fee waivers/relief (ex: manufacturer relief, SBA Express veteran relief, EWCP/WCP fee schedules, or 90-day aggregation).

Inputs do not auto-recalculate while typing. Press Enter or click the button.

Sensitivity Analysis

SBA % runs from 90% down to 50% in 5% steps. Seller note % is the remainder after cash injection. DSCR is color-coded in the table.

SBA %	Seller note %	Cash inj. %	SBA loan amt	Seller note amt	DSCR	Cash flow

Assumed normalized cash flow (annual)

Target DSCR

1.50x+