Two calculators built on the SBA rules that take effect October 1, 2026. No email required.
Start from the cash you have. See the biggest purchase price it supports under the 10% rule, the loan, the monthly payment, and the profit the business needs to clear the bank.
Open the calculator →1.25xDoes the business's profit cover the loan payments with room to spare? Check any deal against the 1.25x coverage bar banks use for first-time buyers from October 2026.
Open the calculator →Start with the cash you can put in. Under the SBA rules in force from October 1, 2026, the bank needs at least 10% of the price from you. A seller note on full standby can cover up to half of that.
These are planning numbers. On the call we look at your real situation and tell you honestly whether this is your next move.
Book a free 15-minute callPlanning tool, not a loan offer. Rules reflect SBA SOP 50 10 8.1 for a first-time acquisition (10% buyer cash, standby seller note up to half, 1.25x coverage on historical profit, $5M maximum loan, 10-year amortization). Every lender adds its own requirements, closing costs and working capital change the numbers, and no financing is promised or arranged by us.
Banks check one number first: does the business's profit cover the loan payments with room to spare? From October 1, 2026 the bar for a first-time buyer is 1.25x, measured on the seller's actual numbers, not projections.
Have a real deal in front of you? Bring it to the call and we will take it apart with you.
Book a free 15-minute callPlanning tool, not a loan offer. Rules reflect SBA SOP 50 10 8.1 for a first-time acquisition (10% buyer cash, standby seller note up to half, 1.25x coverage on historical profit, $5M maximum loan, 10-year amortization). Every lender adds its own requirements, closing costs and working capital change the numbers, and no financing is promised or arranged by us.
