Acquisition Deal Calculator | SmallBiz CFO

Acquisition Tools

Acquisition Deal Calculator

Pressure-test a potential business acquisition in minutes. Enter the purchase price, financing structure, and growth assumptions to see the deal's SDE multiple, debt coverage, cash flow, and projected return — with a clear Green / Yellow / Red read on deal quality.

Purchase Price Sweet Spot

Holding the seller's SDE, financing mix, loan terms, investor structure, and growth assumptions constant, here's the purchase price range that keeps this deal Green — before any negotiation.

$0$0

Green up to $0

Yellow up to $0

Red above $0

Enter your deal details below to see the sweet spot.

Deal Inputs

Business & Purchase Price

Business Name

Listing Reference

Net Purchase Price

LTM Seller's Discretionary Earnings (SDE)

This figure is pulled from the SDE Calculator below — adjust the broker's number and your add-backs there, not here.

Deal Financing (Sources of Capital)

Bank / SBA Financing

Seller Financing

Buyer Equity (Down Payment)

Buyer Equity auto-calculates as 100% − Bank − Seller, so your sources always tie to the purchase price.

Loan Terms

Bank Loan Term (years)

Bank Interest Rate

Seller Note Term (years)

Seller Note Interest Rate

Investor Structure (optional)

% of Down Payment Covered by Investor

Payback Period (months)

Investor Ongoing Equity %

Set to 0% if you're funding the down payment yourself with no outside investor.

Growth & Exit Assumptions

Annual SDE Growth Rate — Years 1–7

Additional Annual Costs (post-close)

Planned Exit Year

Exit Multiple (x SDE)

Brokerage / Sale Fee

SDE Calculator — 3-Year Recast

The broker's SDE rarely survives contact with real deal terms. A new lease, a seller consulting agreement, or a role you'll need to fill yourself all change what you actually take home. Adjust the add-backs for each of the last 3 years below to see your own recast number — and choose which figure feeds the deal calculator above.

Use This SDE In Deal Calculator

Line Item	Two Years Ago	Prior Year	TTM / Current Year
Adjusted SDE	$0	$0	$0

SDE Feeding the Deal Calculator Above $0

SDE Multiple = Net Purchase Price ÷ Adjusted LTM SDE

–x

SDE Multiple

Deal Quality Scorecard

Sources & Uses / Debt Service

Sources & Uses of Capital

Use of Capital	Amount
Funds to Seller	$0

Source of Capital	Amount	%
Gross Source of Capital	$0	100%

Monthly & Annual Debt Service

Bank Loan — Monthly P&I$0

Seller Note — Monthly P&I$0

Total Monthly Debt Service$0

Total Annual Debt Service (Yr 1)$0

Monthly SDE (Yr 1)$0

Monthly SDE After Debt Service$0

DSCR (target ≥ 1.5x)0.00x

Investor Payback & Equity Summary

Investor Down Payment Amount$0

Owner's Own Cash Injection$0

Monthly Payback to Investor (Initial)$0

Payback Period CompletesMonth 0

Investor Ongoing Equity %0%

Investor Annual Dividend (post-payback, Yr 1 basis)$0

Owner Remainder — Year 1$0

Year-by-Year Cash Flow Projection

Year	SDE	Debt Service	Cash After Debt	Investor Share	Owner Remainder	Cumulative Owner Cash

Exit Analysis & Return

Exit Value at Year 7

SDE at Exit$0

Exit Multiple0.0x

Gross Exit Value$0

Less: Brokerage Fee$0

Net Exit Value$0

Less: Remaining Debt on Books$0

Equity Value at Exit$0

Owner Return on Deal Equity

Total Buyer Equity Invested$0

Investor Exit Share$0

Owner Exit Share$0

Deal-Level Equity IRR–

Total Return Multiple–

IRR and return multiple are calculated on the total buyer equity (down payment) using pre-tax cash flow to equity holders each year, plus net equity value at exit — regardless of how the down payment is financed.

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