Business Buyer's FI Calculator — Power of BIZ
Power of BIZ Free tool

Business Buyer's FI Calculator

Buying a cash-flowing business is one of the fastest paths off the corporate treadmill. Enter a deal below and see whether it can cover its own debt, pass a lender's test, and replace the income you're trying to walk away from.

The Deal

The business

Two numbers drive everything: what you pay, and what it earns.

$

$

SDE = Seller's Discretionary Earnings. The full benefit to one owner-operator: net profit plus the owner's salary, perks, interest, taxes, and depreciation added back. It's the number brokers list and lenders underwrite.

$

SDE assumes you work in the business. If you'd rather stay hands-off, enter what you'd pay a manager to replace yourself. That money comes out before anything is truly passive. Leave at $0 if you'll run it yourself.

The financing

Defaults reflect a typical 2026 SBA 7(a) acquisition loan. Editable.

%

%

SBA 7(a) acquisition loans run roughly 10–11% in 2026 (Prime + 2–2.75%).

years

SBA acquisition loans amortize over 10 years (up to 25 if real estate is more than half the deal).

%

SBA guarantee fee, legal, and diligence, as a % of price. Counts as cash you put in (affects cash-on-cash return).

$

Extra cash you inject to run the business day one.

Your goal

The income you're trying to replace to call yourself financially independent.

$

Your Numbers

Cash flow after debt · year one

$0

$0/mo in your pocket after the loan payment

Progress to replacing your income 0%

DSCR i

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Cash-on-cash i

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Price / SDE i

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Deals like this to fully replace your income

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Cash flow once the loan is paid off

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Educational tool, not financial advice. These are directional projections based on the numbers you enter and simplified assumptions, not a recommendation to buy any business or an offer of financing. Real deals carry taxes, capital expenditures, seasonality, customer concentration, and transition risk this tool does not model. SBA rates and terms vary by lender, deal, and borrower. Verify every number in due diligence and confirm any major decision with a qualified accountant, attorney, and lender. Power of BIZ makes no guarantee of results.