Tools
Free calculators for self-funded acquirers
Working tools, not lead-magnet shells. Each calculator does the math in your browser — no inputs leave your machine. Methodology footnotes on every page so you can audit our work.
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Loan payment
SBA 7(a) calculator
Standard fully-amortizing loan math, scoped for the typical 10-year SBA 7(a) acquisition loan. Year-by-year chart shows principal vs interest as the loan ages.
- Inputs
- Loan amount, rate, term
- Outputs
- Monthly payment, total interest, year-by-year amortization
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Coverage
DSCR / global cash flow
The buyer-side mirror of how SBA lenders compute DSCR. Inputs match what the credit memo will use; outputs include a base case and a rate-+100 bps stress test against the 1.10x lender threshold.
- Inputs
- TTM EBITDA, replacement comp, CapEx, debt service, household burn
- Outputs
- Adjusted DSCR, global cash flow ratio, stress test
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Negotiation
Working-capital peg estimator
Most peg disputes between buyers and sellers come from differing methodologies. This computes a defensible peg from the trailing-twelve-month cash conversion cycle, with a printable footnote you can hand the seller.
- Inputs
- TTM AR, inventory, AP, seasonal swing, owner-transition costs
- Outputs
- Defensible peg with methodology footnote