Acquisition financing calculator.
Monthly payment, DSCR, and program match. Adjust any input and results update instantly.
Standard for goodwill / working capital (SBA rule)
SBA current rate: ~8.00% (Prime 5.25% + 2.75% spread, adjusts quarterly)
Optional. Needed to calculate DSCR.
- Purchase price
- $2,000,000
- Down payment
- $200,000 (10%)
- Loan amount
- $1,800,000
- Monthly payment
- $21,839
- Annual debt service
- $262,068
- 5-yr interest cost
- $587,402
- Total interest (life)
- $820,676
SBA requires 1.25x minimum
Enter annual SDE to calculate
No credit pull · Written prequal on the file you submit
How the numbers work.
Formulas behind the calculator, so you can sanity-check the output before you put it in an LoI.
- 01Monthly payment
- Calculated using the standard amortization (PMT) formula: loan principal × [r(1+r)^n] / [(1+r)^n − 1], where r is the monthly rate and n is the term in months.
- 02DSCR
- Debt service coverage ratio = annual SDE ÷ annual debt service. SBA underwriting requires 1.25x minimum on a post-close trailing 12-month basis. Below 1.25x typically requires deal restructuring.
- 035-year interest
- Computed by building a 60-month amortization schedule and summing the interest component of each payment, accurate to the cent, not an approximation.
- 04Program match
- SBA 7(a) applies to deals up to $5M for US-citizen buyers. FLEX covers $1M–$10M when SBA won't fit (green card holders, holdcos, speed, complex structures). Capital Access handles $10M–$250M with institutional capital stacks across ecommerce, SaaS, and traditional businesses.
Send us your deal.
We’ll confirm the numbers.
The calculator gives you a working estimate. A written prequalification gives you a term sheet, a rate range, and a lender-ready structure you can put in an offer.
Before you model the deal
The reasoning behind the inputs on this calculator.
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