Gary | Business Deal Analyzer Calculator

Instant deal analysis overlaid on BizBuySell listings and search results

Gary analyzes every BizBuySell listing automatically, no spreadsheets, no manual entry. ── WHAT IT DOES ── On every search results page, Gary overlays a scorecard on each listing showing: • Deal verdict: Strong / Borderline / Tough • SDE Multiple (asking price ÷ seller's discretionary earnings) • DSCR (debt service coverage ratio) • Estimated monthly cash flow after debt • Required down payment On every listing detail page, Gary builds a full deal breakdown: • Deal Overview — SDE multiple, revenue multiple, CF margin, monthly SDE • Capital Structure — sources and uses, down payment, working capital, closing costs • Debt Service — monthly bank payment, after-debt cash flow, payback period • Industry Benchmarks — how the deal compares to sector norms • Exit Value — projected IRR, return multiple, year-by-year growth scenarios ── STRONG DEALS ONLY FILTER ── One checkbox turns 1,400 listings into 20 qualifying deals. Gary hides Borderline and Tough listings so you only see what's worth your time. (Pro feature) ── FULLY CUSTOMIZABLE ── Adjust every assumption in the settings panel: • Bank rate, term, and down payment % • Seller financing amount, rate, and term • Working capital %, LOC rate, closing costs • Owner salary, hold period, exit multiple, growth scenario ── FREE TIER ── Every user gets the search results scorecard and the Deal Overview section on listing pages — completely free, no account required. ── PRO ── Upgrade to Pro to unlock Capital Structure, Debt Service, Industry Benchmarks, Exit Value, and the Strong Deals Only filter.