For readers of the FUNDED series
Your Companion Toolkit
The book gave you the playbook. These tools run the numbers — verified against the same current SBA sources as the series: SOP 50 10 8, 13 CFR Part 120, and the latest Procedural Notices.
Will I Qualify? Readiness Check
Start here. A free 2-minute check: do you clear the SBA eligibility gates, and how do you score on credit, equity, DSCR, and experience? Find out before you apply.
Global DSCR Calculator
Run the same full-household coverage check your lender will — business cash flow plus household income against all debt service, with the 10% stress test and your margin at every threshold.
Max Purchase Price Calculator
The lender's math, solved backwards: from the business's SDE to the highest price an SBA loan will support. Buyers get their walk-away price; sellers get their financeable ceiling.
Global DSCR Calculator
The coverage number the committee decides on — business, household, and any other business you own, against every debt payment, with the 10% stress test.
Down Payment (Equity Injection) Calculator
The 10%-of-project-costs rule and what actually counts toward it — cash, gifts, ROBS, and the seller-note full-standby math that decides acquisition structures.
Collateral Adequacy Calculator
Value your assets the way the underwriter will — the SOP's own discount rates — and see whether you're fully secured or your personal real estate comes into play.
FY2026 Guaranty Fee Calculator
The exact upfront fee on your loan size, computed on the guaranteed portion the way the SBA actually charges it — per Notice 5000-872051.
Underwriting Benchmarks by Industry
The defensible ranges underwriters test projections against — franchise royalty loads, restaurant prime cost, hotel USALI norms, dental and veterinary practice metrics.
Global DSCR, Explained
Why deals with strong business numbers still get declined, the bank convention step by step, and the five levers that fix a thin ratio.
Selling to an SBA Buyer
If your buyer uses an SBA loan, the SBA has rules for YOU: full exit, no earnouts, seller notes frozen on standby, a valuation cap. Includes a seller-note standby calculator.
13-Week Cash Flow Forecast
Once you own it: see the week you run short before it arrives, and why loan principal drains cash without touching your P&L. Free interactive tool + free downloadable Excel sheet.
New tools are added as the series grows — pro forma and planning resources for buyers and sellers are in the works. This page always reflects the current SBA rules; check back when your deal gets real.
Got a deal on the table?
The playbooks for analyzing a specific acquisition, verified against the current SBA rules.
Red Flags That Kill SBA Acquisition Loans
The 13 structural killers — earnouts, non-standby seller notes, valuation gaps — each mapped to the rule it trips.
Verify the Seller's Financials Yourself
A buyer's DIY quality of earnings: reconcile deposits, tie out the tax returns, pressure-test the add-backs.
The SBA-Proof LOI
The terms your letter of intent must include so the deal stays financeable — before you sign.
Buying an Existing Franchise (Resale)
Directory status, transfer fees, valuing on actual P&Ls, and DSCR after the royalty load.
The 27-Point SBA Loan Checklist
Every item lenders review before they approve, in plain English — free by email, updated when the rules change.
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New here? Start with the book for your industry.
Restaurant, hotel, franchise, dental, and veterinary editions — each verified against the current SBA SOP.
Browse the FUNDED Series