SBA Acquisition Calculator
Purchase price you could support
$1,500,000
Assumes a 10% equity injection.
SBA loan amount
$1,350,000
10-year term at 9%
Monthly payment
$17,101
$205,215 per year in debt service
SDE the business needs
$356,518
Covers your $100,000 salary plus debt service at 1.25× coverage, the screen lenders commonly apply.
Assumptions
- Rates default to today's typical pricing, about Prime + 2.25% (9% with prime at 6.75%); well-qualified borrowers see roughly 8.5–9.25%.
- 10-year term (standard for business-only acquisitions), 10% equity injection, single 7(a) loan up to $5,000,000.
- Seller notes counted toward the injection are modeled on full standby, per the reported mid-2025 rule changes.
- The SDE figure covers your salary plus debt service at 1.25×, a common lender screen, not a regulation. Working capital, closing costs, and taxes are on top.
Educational, not financing advice; every lender structures deals differently, so confirm numbers on your actual deal. See the SBA loan statistics page for sources.
The Seller Note
Most 7(a) acquisitions carry a seller note beside the bank loan. Price it here: payment, schedule, and total interest, including an interest-only period. A note counted toward the equity injection must sit on full standby for the life of the loan, and the whole stack assembles in the Sources & Uses Builder.
Amortized Payment
$3,960/mo
Level payment for the full term
Total Interest
$37,614
$237,614 paid over the term
Closing Day Funds
The last number: the cash you actually wire on closing day, once the equity injection, the computed SBA guaranty fee, closing costs, and working capital are added up.
Cash to Close
$261,000
What you wire on closing day
Equity Into Price
$150,000
Price not covered by loan and note
SBA Guaranty Fee
$21,000
Computed from the loan, not estimated
Where to Go From a Number
Stage 2 of the roadmap covers funding the search, stage 5 covers the lending gauntlet, and the directory lists acquisition lenders and loan brokers verified against their own pages.