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AcquireAI

Deal Score

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Deal Score

An educational analysis of one set of assumptions. Estimates only — not an investment recommendation and not a loan quote.

74

/ 100

Price vs. earnings82
Debt coverage96
Earnings margin50
Leverage46

Estimate — not a loan quote

SDE multiple

2.8x

EBITDA multiple

3.7x

Seller note

$140,000

Buyer cash

$70,000

Estimated senior loan

$490,000

Monthly payment

$9,794

Annual debt service

$117,524

Estimated DSCR

1.45

Total cash to close

$110,000

Cash flow after debt

$52,476

Checking your plan…

What looks strong

  • The price is 2.8x SDE, which is within the range commonly seen for owner-operated businesses. Confirm the SDE figure before relying on it.
  • Estimated DSCR of 1.45 leaves cushion above debt payments under your assumptions. Each lender sets its own DSCR requirement.
  • A seller note of $140,000 can indicate seller confidence. Whether a lender accepts it, and on what standby terms, is decided by the lender under current SBA rules.

Numbers you need to verify

  • SDE and its full add-back schedule, tied to three years of business tax returns.
  • Bank and merchant statements reconciled against the reported P&L.
  • Revenue by customer for three years, to measure concentration.
  • Lease terms, assignability and remaining term.
  • Debt schedule, liens and UCC filings.

Questions to ask

  • Why are you selling, and how long has the business been on the market?
  • How exactly was SDE calculated, line by line?
  • What do you personally do each week, and which customers deal only with you?
  • What is included in the sale — equipment, inventory, receivables, working capital?
  • Would you carry part of the purchase price, and on what terms?
Checking your plan…

This is an educational analysis, not an investment recommendation. Whether any portion can be financed, how much buyer equity is required, and how seller financing is treated depend on current SBA rules, lender underwriting and the specific transaction.

AcquireAI is an educational platform. Information provided is for educational purposes only and is not legal, tax, accounting, lending, or financial advice. Financing is subject to lender approval and current program requirements.