Max Purchase Price Calculator
Cash flow & target
Seller's Discretionary Earnings (SDE)
$
Target DSCR
SBA floor is 1.25x; underwriters prefer 1.35x–1.50x.
x
Structure
Down payment
%
Seller note share
%
SBA 7(a) loan share (auto)
80%
SBA 7(a) terms
SBA term
yrs
SBA rate
%
Seller note terms
Seller note term
yrs
Seller note rate
%
Maximum purchase price
$2,241,065
4.48x SDE
FullImplied multiple
Healthy SMB deals usually clear at 2.5x–4.0x.
4.48x SDE
Annual debt service
$333,333/yr
Monthly debt service
$27,778/mo
DSCR at this price
Equal to your target by construction.
1.50x
Financing breakdown
Down payment (10%)
$224,107
Seller note (10%)
$224,107
SBA 7(a) loan (80%)
$1,792,852
More free tools
These calculators are directional estimates for planning, not financial, legal, or tax advice. A real valuation or financing decision depends on your specific books, deal structure, and a lender or advisor's review.
One max price here. The deals that clear it at Equitle.
You just found what one deal can support. Equitle builds the pipeline of acquisitions that clear it. Sourced, enriched, and underwritten to your numbers.
Private Equity
Search Funds
Independent Sponsors
Family Offices
Growth Equity
Corporate Development
M&A Advisors
Private Equity
Search Funds
Independent Sponsors
Family Offices
Growth Equity
Corporate Development
M&A Advisors
Private Equity
Search Funds
Independent Sponsors
Family Offices
Growth Equity
Corporate Development
M&A Advisors
©2026 Equitle Inc. All rights reserved.