Run the numbers

Payment, coverage, and your total check — with the FY2026 fee schedule and today's rate caps baked in.

Last reviewed June 2026 · Written against SOP 50 10 8 and current SBA notices

Purchase price$1.5M

Annual owner earnings / EBITDA$400K

Down payment10% · $150K

SBA minimum: 10% (at least 5% must be cash)

Term10 years

10 yrs standard · 25 only with ≥51% real estate

Your numbers

$17,654/mo

at 9.75% (today's Prime 6.75% + max spread)

Loan amount: $1.35M
FY2026 SBA guaranty fee: $35K
Est. closing costs: $20K
Total out of pocket: $206K
Debt service coverage (DSCR): 1.89x
Cash flow after debt service: $188K/yr

Above the 1.25x benchmark most lenders underwrite to — financeable as structured.

Estimates only — rates at the regulatory cap, actual pricing is negotiated. Not a loan offer or credit decision.

How a lender reads your result

Two numbers decide your deal. Coverage ratio (annual cash flow ÷ annual loan payment): under 1.1x, no 7(a) underwrites; at 1.25x and up, lenders compete for your file. Total out of pocket: the down payment plus the FY2026 guaranty fee and closing costs.

Every SBA-friendly listing on DealRoom runs this exact math against the deal's actual financials, plus a seven-question eligibility check. You get the answer without documents, a credit pull, or a salesperson.

Free · No obligation · Usually same-day

Stop reading. Ask a lender.

Twenty minutes with an SBA specialist answers what twenty articles can't: your number, on yourtimeline. We'll connect you with a 7(a) specialist who works acquisition deals all day — they'll tell you what you can borrow before you fall in love with a listing.

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Run the numbers

Payment, coverage, and your total check — with the FY2026 fee schedule and today's rate caps baked in.

Last reviewed June 2026 · Written against SOP 50 10 8 and current SBA notices

Purchase price$1.5M

Annual owner earnings / EBITDA$400K

Down payment10% · $150K

SBA minimum: 10% (at least 5% must be cash)

Term10 years

10 yrs standard · 25 only with ≥51% real estate

Your numbers

$17,654/mo

at 9.75% (today's Prime 6.75% + max spread)

Loan amount: $1.35M
FY2026 SBA guaranty fee: $35K
Est. closing costs: $20K
Total out of pocket: $206K
Debt service coverage (DSCR): 1.89x
Cash flow after debt service: $188K/yr

Above the 1.25x benchmark most lenders underwrite to — financeable as structured.

Estimates only — rates at the regulatory cap, actual pricing is negotiated. Not a loan offer or credit decision.

How a lender reads your result

Free · No obligation · Usually same-day

Stop reading. Ask a lender.

Name

Phone (optional)

Sellers answer verified buyers first

Verification takes minutes, costs nothing, and moves you to the front of every advisor's queue — they see proof of funds before you even say hello.

Become a verified buyer

First look at every new listing

The gems never sit on the open market. Premium members see each new listing before the crowd — by the time everyone else is browsing, you've already made the call.

$29/mo · instant alerts · side-by-side deal compare · priority with advisors

Upgrade to Premium