SBA
SBA & FINANCING ANALYZER
Broker's Pro Suite™ · 360 Biz Brokersv1.0
SBA LOAN ELIGIBILITY & FINANCING ANALYSIS
Enter the business financials and deal structure below to instantly calculate debt service coverage, SBA approvability, buyer cash flow, and full amortization. This tool analyzes deals against current SBA 7(a) lending standards.
SBA 7(a)
DSCR Analysis
Debt Service
Buyer Cash Flow
Amortization
Scenario Comparison
DEAL INPUTS
Enter all relevant financials. All calculations update automatically when you click "Analyze Deal".
Business Financials (Most Recent Full Year)
$
$
$
$
$
$
Debt that will NOT be retired at closing
$
$
One-time expenses, personal items, etc.
Deal Structure
$
$
Typically 10% for SBA 7(a)
$
SBA may require standby during loan term
$
To be rolled into SBA loan if needed
SBA Loan Parameters
Prime + spread (current ~11–12%)
Typically 3.5% on loans >$700k
Buyer Profile (for Cash Flow Analysis)
$
What the buyer needs to live on
$
Mortgage, car loans, personal loans
$
SBA 7(A) ELIGIBILITY ANALYSIS
Analysis of the deal's eligibility and approvability under SBA 7(a) lending guidelines.
Enter inputs and click "Analyze Deal" to see results.
DEBT SERVICE ANALYSIS
SDE recast, Debt Service Coverage Ratio (DSCR), and loan feasibility metrics.
Enter inputs and click "Analyze Deal" to see results.
BUYER CASH FLOW PROJECTION
Post-debt-service cash available to the buyer after loan payments, salary, and obligations.
Enter inputs and click "Analyze Deal" to see results.
LOAN AMORTIZATION SCHEDULE
Year-by-year loan balance, principal, interest, and cumulative payments.
Enter inputs and click "Analyze Deal" to see results.
SCENARIO COMPARISON
Side-by-side comparison of different loan structures, down payments, and deal configurations.
Enter inputs and click "Analyze Deal" to see results.
