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Business Affordability Calculator

See your buying power in 60 seconds

💰

How much can you invest?

Enter your available cash for a down payment

📊

What's your credit score?

This affects your loan terms and down payment

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How do you want to finance?

Choose your preferred financing method

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Get Your Results

Enter your info to see your personalized buying power analysis

You Can Afford Businesses Up To
$500,000 - $650,000
With SBA financing (15% down)

📊 Your Financing Structure

Source Amount Rate Term Monthly

💰 Monthly Cash Flow Analysis

Debt Service 57%
Your Profit 43%
$8,500
Expected Monthly Income (SDE)
Click to adjust
-$4,850
Total Debt Service
$3,650
Your Take-Home
Debt Service Coverage Ratio (DSCR)
1.75x
0.8x 1.0x 1.15x 1.25x 2.0x+
<1.0x
Unlikely
1.0-1.15x
Marginal
1.15-1.25x
Acceptable
1.25x+
Strong
Banks typically require DSCR of 1.25x or higher for SBA loans. Your ratio indicates strong debt coverage.

🏦 Loan Types Explained

SBA 7(a) Loan
Down: 10-20%
Rate: 9.5-10.5%
Term: 10 years
Max: $5M
Best for: Lowest down payment
Seller Financing
Down: 20-30%
Rate: 6-8%
Term: 3-7 years
Max: Negotiable
Best for: Flexible terms
SBA + Seller
Down: 10-15%
Rate: Blended 8-9%
Term: Mixed
Max: Higher leverage
Best for: Maximum buying power

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