Deal Affordability Calculator
3,420 runs completedDeal Affordability Calculator from Tools Stak helps with deal affordability calculator, sba loan qualification, business acquisition calculator, small business buying power in a fast, accessible web interface. Results update in real time and run without a login.
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Debt Service Coverage Ratio (DSCR) & SBA Affordability Formula
DSCR = Annual SDE / Total Annual Debt Service
Total Cash Required = Down Payment + Closing Costs (3%) + Working Capital (5%) + Personal Reserves (6 mo)SBA 7(a) commercial lenders require a minimum Debt Service Coverage Ratio of 1.15x (1.25x+ preferred) alongside a minimum 10% cash equity injection. The total cash required at closing must encompass lender equity, closing fees, post-closing working capital buffers, and living expense reserves.
Quick Reference Guide
| Purchase Price | 10% Equity Down | Est. 10-Yr P&I (10.5%) | Min SDE Needed (1.25x DSCR) |
|---|---|---|---|
| $500,000 | $50,000 | $6,076 / mo | $91,140 / yr |
| $1,000,000 | $100,000 | $12,152 / mo | $182,280 / yr |
| $2,000,000 | $200,000 | $24,304 / mo | $364,560 / yr |
| $3,500,000 | $350,000 | $42,532 / mo | $637,980 / yr |
Frequently Asked Questions & Expert Guide
Is the Deal Affordability Calculator completely free to use?
Yes, 100% free. The Deal Affordability Calculator on Tools Stak requires no subscription, account creation, or software installation. You can perform unlimited deal affordability calculator operations directly in your web browser without paywalls or usage limits.
Is my deal affordability calculator data secure and private?
Absolute privacy is guaranteed. All calculations, data formatting, and file processing for the Deal Affordability Calculator run entirely within your local browser JavaScript environment. Your inputs and outputs are never transmitted to, processed by, or stored on remote external servers.
Can I use the Deal Affordability Calculator on mobile devices?
Yes. The Deal Affordability Calculator is engineered with a responsive, mobile-first design system. It functions seamlessly on smartphones, tablets, laptops, and desktop computers across all modern browsers including Chrome, Safari, Firefox, and Edge.
How do I copy or export my results from the Deal Affordability Calculator?
The Deal Affordability Calculator features one-click copy buttons and formatted output containers. Simply click the copy button to transfer your calculated or generated results directly to your system clipboard for instant use in spreadsheets, documents, or code editors.
Are calculations in the Deal Affordability Calculator aligned with SBA 7(a) and commercial banking standards?
Yes. Our business acquisition calculators apply standard commercial lending rules, including Debt Service Coverage Ratios (DSCR 1.15x - 1.25x+ thresholds), SBA 7(a) $5M program limits, 10% minimum equity requirements, and industry-standard working capital peg formulas.
Can I use outputs from the Deal Affordability Calculator in an LOI, CIM review, or bank loan application?
Yes. All outputs can be exported instantly to CSV, JSON, or copied as formatted text summaries to include in deal memos, investment committee decks, or discussions with SBA lenders.