SBA deal tools

Your required 10% injection and which sources actually count, including the seller-note standby rule.

Business plus household cash flow against the SBA's 1:1 global floor and the 1.25x lender standard.

Applies the SOP discount rates per asset class and tells you if your house is in play.

The highest price the cash flow will actually finance. Your walk-away number.

The FY2026 upfront fee, computed on the guaranteed portion the way SBA charges it.

Monthly and annual payment on a fully amortizing 7(a) loan.

Every current threshold with its primary source: injection, DSCR floor, fee tiers, collateral rates.

Enter your deal once. Get the real dollar difference: payment, cash at close, total cost, and whether the 2026 rule change lets you stack both programs.

What your assets are worth to the underwriter, not what you paid. SOP discount rates applied, fully-secured verdict, and whether personal real estate comes into play.

How much you actually need and which of your money the SBA will let you count, including the seller-note standby rule that disqualifies most of them.

The combined test lenders actually run: business cash flow plus your household, against the SBA's 1:1 global floor and the 1.25 most lenders want.

The most you can pay and still have the deal carry its debt and pay you. Past that number you walk, however good the business looks.

Six numbers in, twelve structure checks out. Each flag names the rule it trips and what to change before you apply.

Enter your deal once. Get the real dollar difference: payment, cash at close, total cost, and whether the 2026 rule change lets you stack both programs.

What your assets are worth to the underwriter, not what you paid. SOP discount rates applied, fully-secured verdict, and whether personal real estate comes into play.

How much you actually need and which of your money the SBA will let you count, including the seller-note standby rule that disqualifies most of them.

The combined test lenders actually run: business cash flow plus your household, against the SBA's 1:1 global floor and the 1.25 most lenders want.

The most you can pay and still have the deal carry its debt and pay you. Past that number you walk, however good the business looks.

Six numbers in, twelve structure checks out. Each flag names the rule it trips and what to change before you apply.

Enter your deal once. Get the real dollar difference: payment, cash at close, total cost, and whether the 2026 rule change lets you stack both programs.

What your assets are worth to the underwriter, not what you paid. SOP discount rates applied, fully-secured verdict, and whether personal real estate comes into play.

How much you actually need and which of your money the SBA will let you count, including the seller-note standby rule that disqualifies most of them.

The combined test lenders actually run: business cash flow plus your household, against the SBA's 1:1 global floor and the 1.25 most lenders want.

The most you can pay and still have the deal carry its debt and pay you. Past that number you walk, however good the business looks.

Six numbers in, twelve structure checks out. Each flag names the rule it trips and what to change before you apply.

Enter your deal once. Get the real dollar difference: payment, cash at close, total cost, and whether the 2026 rule change lets you stack both programs.

What your assets are worth to the underwriter, not what you paid. SOP discount rates applied, fully-secured verdict, and whether personal real estate comes into play.

How much you actually need and which of your money the SBA will let you count, including the seller-note standby rule that disqualifies most of them.

The combined test lenders actually run: business cash flow plus your household, against the SBA's 1:1 global floor and the 1.25 most lenders want.

The most you can pay and still have the deal carry its debt and pay you. Past that number you walk, however good the business looks.

Six numbers in, twelve structure checks out. Each flag names the rule it trips and what to change before you apply.

Enter your deal once. Get the real dollar difference: payment, cash at close, total cost, and whether the 2026 rule change lets you stack both programs.

What your assets are worth to the underwriter, not what you paid. SOP discount rates applied, fully-secured verdict, and whether personal real estate comes into play.

How much you actually need and which of your money the SBA will let you count, including the seller-note standby rule that disqualifies most of them.

The combined test lenders actually run: business cash flow plus your household, against the SBA's 1:1 global floor and the 1.25 most lenders want.

The most you can pay and still have the deal carry its debt and pay you. Past that number you walk, however good the business looks.

Six numbers in, twelve structure checks out. Each flag names the rule it trips and what to change before you apply.

The whole underwrite: walk-away price, the three financeability gates, red-flag score, five-year projections, and a lender-ready plan.

The whole underwrite: walk-away price, the three financeability gates, red-flag score, five-year projections, and a lender-ready plan.

The whole underwrite: walk-away price, the three financeability gates, red-flag score, five-year projections, and a lender-ready plan.

The whole underwrite: walk-away price, the three financeability gates, red-flag score, five-year projections, and a lender-ready plan.

The whole underwrite: walk-away price, the three financeability gates, red-flag score, five-year projections, and a lender-ready plan.