Acquisition math before LOI

Business Acquisition Calculators for SBA buyers, searchers, and owner-operators.

Underwrite small-business deals with SBA loan math, seller financing, debt-service coverage, business valuation, break-even, NPV, and downside scenarios before you wire diligence money.

Start with SBA loan math Save and export deal scenarios

Built around the questions buyers actually ask.

Generic MBA calculators are useful, but acquisition buyers need a focused workflow: price, debt, seller note, DSCR, owner salary, and downside survival.

Can the target business support the SBA loan payment and still pay the operator?

What happens if revenue drops 10-20% after close?

How much seller financing changes the down payment, risk, and cash flow.

Which offer price clears debt-service coverage and still leaves margin for mistakes.

The acquisition calculator pack

Use the free calculators for the first pass. Upgrade only when you need saved scenarios, PDF/Excel export, and a clean report to share with lenders or partners.

SBA loan payment and affordability

Model monthly payments, cash required at close, and how much acquisition debt the deal can carry.

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Business valuation and SDE multiple

Estimate business valuation from SDE, EBITDA, revenue, and industry multiple assumptions.

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NPV and IRR for acquisition returns

Compare base, downside, and upside cash-flow cases before LOI or lender conversations.

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Break-even and owner salary capacity

Check whether the business can cover debt service, payroll, rent, and the buyer's target salary.

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The paid hook is reporting, not blocking the math.

Buyers can run the core calculations free. Pro is for the moments where the work has to be reused, compared, exported, or sent to someone else.

saved scenarios for each target business
PDF/Excel export for lender, partner, or advisor review
side-by-side comparison of multiple acquisition targets
branded report output for searchers, brokers, and acquisition consultants

Conversion path

Turn one deal model into a reusable diligence file.

Save the base case, downside case, seller-financing structure, and debt-service coverage assumptions before lender or partner calls.

View Pro export options

Why this is not just an AI answer.

AI can explain acquisition math. It cannot underwrite your specific deal, remember the assumptions you promised a lender, or create a reusable report without your numbers.

Your lender, broker, or partner needs your actual purchase price, seller note, working capital, salary, and DSCR assumptions — not a generic AI summary.
The value is in comparing downside/base/upside cases and preserving the assumptions you can defend during diligence.
Exports and saved scenarios create a reusable deal file that survives beyond one chat answer.

Build filter

MBACalc prioritizes high-intent, high-CPC calculators.

New calculators should connect to loan, acquisition, valuation, insurance, tax, dental, real estate, or professional decision support — areas where the next click can become a qualified lead, paid export, or advisory conversation.

Commodity formula pages are not the strategy. Defensible workflows are.

Acquisition deal worksheet

Capture the assumptions before you open another calculator.

Get a lightweight worksheet for logging purchase price, SBA debt, seller note, working capital, owner salary, downside revenue, and debt-service coverage before you compare scenarios.

  • Use it before lender calls, LOIs, and broker follow-ups.
  • Pair it with the free SBA loan and business valuation calculators.
  • Upgrade only when you need saved scenarios or PDF/Excel export.

No spam. Just the worksheet and one practical follow-up about acquisition modeling.