Model your SBA 7(a) business acquisition — calculate monthly payments, DSCR, cash required, and owner cash flow. Adjust inputs to compare scenarios.
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This calculator models a standard SBA 7(a) loan for business acquisition. Enter the asking price and the business's Seller's Discretionary Earnings (SDE), then adjust the loan structure to see how different scenarios affect your monthly payments and debt service coverage.
The Debt Service Coverage Ratio (DSCR) measures whether the business generates enough cash flow to cover its debt payments. SBA lenders typically require a minimum DSCR of 1.25x, meaning the business earns at least $1.25 for every $1.00 of debt service.
SBA 7(a) acquisition loans typically have a 10-year term with a variable interest rate capped at Prime + 3.0% for loans over $350K. With Prime at 6.75% as of June 2026, most acquisition loans price around 9.5% to 9.75%. Buyers usually contribute 10-15% as a down payment, and sellers may provide a 5-15% seller note to bridge the gap.
