Tool 03
Affordability
Affordability
How big a deal
can you afford?
Enter your available capital. Get maximum deal sizes across all three programs, plus a recommended range.
Your capital
Include home equity
Accessible via HELOC or refi. SBA accepts equity in personal real estate toward injection.
Use seller note for 5% of injection
SBA allows up to 5% of purchase price as a seller note on full standby, effectively reducing cash requirement by half
Total capital available
$250,000
Maximum deal size by program
Based on minimum down payment requirements per program
Recommended deal range
$1.3M to $2.5M
Conservative to maximum SBA range. All-cash injection, no seller note required.
Assumptions
- · Monthly payments estimated at 8.00% over 10 years
- · SBA 7(a) maximum loan: $5,000,000 ($5.5M deal at 10% down)
- · Flex typically requires 15–25% down; 20% used here
- · Capital Access equity requirement varies; 30% used here
- · DSCR not factored. Deal must clear 1.25x at time of application.
Confirm your range and get prequalified↗
No credit pull · Written in 24 hours
What counts as your capital?
- 01Cash in bank
- Checking, savings, money market. Must be sourced and seasoned for at least 60 days. SBA requires a paper trail. The primary and most reliable capital source.
- 02Home equity
- Equity in your primary residence accessible via HELOC or cash-out refi. SBA treats this as usable injection capital. Do not count equity you can't actually access.
- 03Seller note (up to 5%)
- SBA allows the seller to carry up to 5% of the purchase price as a note on full standby with no payments for the life of the SBA loan. Effectively doubles your purchasing power on the 10% injection requirement.
- 04ROBS (retirement funds)
- Rollover for Business Startups lets you use qualified retirement funds (401k, IRA) for an acquisition without triggering a taxable distribution. Counts as equity injection and requires a specialist to structure correctly.
Next step
Know your range.
Start your search.
The estimator tells you what’s possible. A written prequalification tells you what you’re approved for and gives you a credential that sellers and brokers take seriously.