Deal Structure Builder

Model your full deal structure: cash at close, SBA loan, seller note, monthly payments, and debt service coverage.

Deal Parameters

Purchase Price

$2,000,000

Cash Available for Down Payment

$300,000

SBA Loan: 75%($1,500,000)

SBA Rate (%)

SBA Term (years)

Seller Note: 10%($200,000)

Seller Note Rate (%)

Seller Note Term (yrs)

Annual EBITDA (for DSCR)

SBA 75%Seller Note 10%Cash 15%

Cash required at close ($300,000) is within your available funds.

Cash at Close

15% of purchase price

$300,000

SBA Loan

75% · 10-yr at 10.5%

$1,500,000

Seller Note

10% · 5-yr at 6%

$200,000

SBA Monthly

$20,240

Seller Note Monthly

$3,867

Total Monthly Debt Service

$24,107

Debt Service Coverage Ratio (DSCR)

1.38x

Strong coverage. SBA lenders typically require 1.25x minimum. This deal has healthy cash flow headroom.

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