Will the SBA Fund This Deal?

The kit runs your deal through the same gates a lender's underwriter applies: the equity-injection requirement (SBA requires at least 10% of total project costs on a complete change of ownership, and a seller note only counts if it's on full standby and no more than half the injection), collateral adequacy using the SOP's own valuation discounts, and global debt-service coverage, the business's cash flow plus your household income against all business and personal debt. It also scores the deal against the red flags that kill applications, like earnouts in the LOI (prohibited when the buyer uses SBA financing) or books that won't reconcile to IRS transcripts.

The highest price at which the deal still covers its debt at the coverage level lenders want (1.25x). Above that number, the loan payment eats the cash flow and the deal stops being fundable, no matter how much you like the business. The kit computes it from the business's actual cash flow and puts it on the front tab, so you know your ceiling before you negotiate.

Two ways. First, free calculators check one number in isolation, and most of them quietly run on thresholds that are out of date. The kit is the whole underwrite: five-year projections built for your industry, the financeability gates, the red-flag scan, the document tracker, and a lender-ready business plan template, with the formulas open so you can see and defend every number.

Five editions, matched to the FUNDED book series: restaurant, hotel, franchise, dental practice, and veterinary practice. Each edition's projection model, benchmarks, and red flags are specific to that industry, a hotel deal is tested against occupancy and ADR logic, a franchise deal against royalty and fee loads, a practice deal against production and staffing norms.

Personal ($67 founding price, normally $97) covers your own deals, as many of your own transactions as you like, forever, including sharing your completed outputs with your lender, CPA, or attorney. Professional ($197 founding, normally $247) is for one named professional, a lender, broker, consultant, CPA, or advisor, who works on other people's deals: unlimited client use plus single-office training. Every delivered copy is stamped with the purchaser's email.

Yes, that's the core of the product. Every rule the kit tests against is verified against the current SBA SOP 50 10 8 (effective June 1, 2025), 13 CFR Part 120, and the latest Procedural Notices. Most SBA content online still cites superseded SOPs.

There's a 14-day refund window. If the kit doesn't do what this page says, write to [email protected] and we'll refund you.

Yes. You only ever type in the blue cells, plain-English inputs like the asking price, the rent, and your household budget. Every formula is pre-built and locked against accidents, each input has a note explaining where to find the number (the FDD item, the POS report, the lease), and the VERDICT tab turns it all into PASS/RISK/FAIL. If you can fill in a form, you can run the kit.

Microsoft Excel, desktop or Microsoft 365, on Windows or Mac. The workbooks use protected formulas and conditional formatting that Google Sheets doesn't fully support, so we don't recommend Sheets. The business plan template is a Word file; the AI prompt pack is plain text and works anywhere.

No. One payment, yours forever. There is nothing recurring to cancel.

Email support at [email protected] for anything about using the kit, a cell that confuses you, a number you can't find, a gate verdict you want to sanity-check. What we can't do is give financial, legal, or lending advice about your specific deal, the kit shows you the rules; your CPA and attorney advise you.