AcquireSBA: BizBuySell SBA 7(a) Calculator & Deal Analyzer

Instant SBA 7(a) loan underwriting, DSCR bankability, Max Offer Price, and SDE multiple benchmark directly on BizBuySell listings.

Stop copying and pasting business listing numbers into messy spreadsheets. AcquireSBA is the ultimate SBA 7(a) Loan Calculator, DSCR Underwriter, and M&A Deal Analyzer built specifically for BizBuySell.com. Designed for Entrepreneurship Through Acquisition (ETA) buyers, Search Fund operators, SMB investors, business brokers, and commercial loan officers, AcquireSBA automatically extracts Asking Price, Cash Flow (SDE / EBITDA), Gross Revenue, and FF&E from any BizBuySell listing to run a complete bank-grade SBA 7(a) underwriting model in milliseconds. 🚀 INSTANT SBA 7(a) UNDERWRITING ON EVERY BIZBUYSELL LISTING • Automatic 10/10/80 Deal Structure Modeling: Pre-configured with the gold-standard acquisition structure—80% SBA 7(a) 10-year acquisition loan, 10% Seller Financing Note (5-year amortization), and 10% Buyer Equity Down Payment (100% customizable in one click). • Real-Time DSCR Bankability Check: Automatically deducts a configurable Owner/Manager Replacement Salary (default $60,000/yr) from reported Seller's Discretionary Earnings (SDE) to calculate your true Debt Service Coverage Ratio (DSCR) with instant Green (≥1.25x Bankable), Yellow (1.00x–1.24x Borderline), and Red (<1.00x Unbankable) signals. • Reverse "Max Offer Price" Calculator: Instantly see the exact maximum purchase price you can offer the seller while maintaining a strict 1.25x SBA bankability threshold. • Official SOP 50 10 SBA Upfront Guarantee Fee Engine: Built-in calculation of official SBA 7(a) Upfront Guarantee Fees across all loan tiers ($0–$150k, $150k–$700k, $700k–$1M, and $1M–$5M). • The "15% Real Liquidity at Closing" Rule: Reveals your true out-of-pocket cash needed at closing by combining Buyer Down Payment + SBA Guarantee Fee + Working Capital, CPA & Legal Due Diligence reserves. • Industry SDE Multiple Benchmarks & SBA Default Rates: Automatically detects the business sector (HVAC, Plumbing, Landscaping, Restaurants, Laundromats, Car Washes, Manufacturing, E-Commerce, SaaS, Medical, Retail & more) and compares the listing's Asking Price / SDE multiple against fair market benchmarks to expose overpriced deals immediately. • 1-Click Prime + 2.75% Interest Rate Stress-Test: Simulate how rising interest rates impact your monthly debt service, DSCR, and net take-home Free Cash Flow with a single click. • Manual Override for "Not Disclosed" Listings: Did the broker hide the Cash Flow or Asking Price? Enter your own estimate directly inside the card to run the numbers on the spot. • 1-Click Deal Memo Export: Copy a clean, formatted underwriting summary to your clipboard to share with your SBA lender, business partner, CPA, or broker. 🔒 100% LOCAL EXECUTION & PRIVACY FIRST • Zero external scraping servers—all financial calculations and listing analyses run locally inside your browser with zero latency. • Switch seamlessly between Native Inline Mode (embedded directly inside the BizBuySell listing page) and Floating Dock Mode. 💼 WHO IS ACQUIRESBA FOR? • Self-Funded Searchers & ETA Entrepreneurs buying their first Main Street or lower-middle-market business. • Existing Business Owners growing via acquisition using SBA 7(a) financing. • Commercial Loan Officers & SBA BDOs pre-screening deals for borrowers. • Business Brokers & M&A Advisors stress-testing listing valuations before going to market. Install AcquireSBA today and underwrite your next business acquisition on BizBuySell in seconds.