Deal Calculator

Screen business-for-sale scenarios. Adjust financing levers to estimate returns, cash down, and debt coverage before the next call.

1. Listing details

Local service area: competitors may serve multiple ZIPs, so use the map as a screening list rather than a hard boundary.

Load a BizBuySell listing first.

—

Asking: $0
Cash Flow: $0
Revenue: $0
Market category: Select category
Decision score

Acquisition Fit Score

Pull a listing or enter deal inputs to calculate fit.

0/ 100

First-Pass Decision

The fastest read on whether the deal is financeable and worth deeper diligence.

DSCR
0.00x
Debt service coverage ratio. Many lenders want roughly 1.25x or better before deeper underwriting.
0x1.25x3x+
Cash Down
$0
Estimated equity injection. This defaults to 10% of acquisition cost and can be edited in Financing Levers.
Payback
N/A
Cash down divided by estimated annual free cash flow after debt service.
Asking Price
$0
The listed purchase price before closing costs, working capital, diligence adjustments, and deal structure.

Deal Economics

These explain the score. Lower multiples and stronger margins are easier for first-time buyers to underwrite.

Cash Flow Multiple
N/A
Asking price divided by cash flow. Lower is generally easier to finance; verify add-backs carefully.
Revenue Multiple
N/A
Asking price divided by gross revenue. Useful as a sanity check, but cash flow matters more.
Cash Flow Margin
0%
Cash flow divided by gross revenue. Higher margins create more room for debt service and operator mistakes.
Revenue
$0
Reported annual gross revenue from the listing. Treat as unverified until diligence.

Financing Load

How the default debt structure translates into monthly pressure after the acquisition.

Total Debt
$15,000
Estimated bank loan plus seller note. Edit down payment or seller financing to reshape this.
Monthly Payment
$186
Combined monthly debt service. Annualized: $2,232.
Total Cost
$15,000
Asking price plus estimated closing costs. This does not include working capital or diligence adjustments.
Loan Risk
Review
Industry-level lending context. Reference chargeoff rate: -.

Deal Alert Builder

Cash down <= $250,000Payback <= 5 yrsDSCR >= 1.25xMultiple <= 3.5xScore >= 70