SmartBizCalc

Business Acquisition Loan Calculator

See the true cost of buying a business with an SBA 7(a) loan — monthly payment, total interest, guarantee fees, and whether the deal covers its own debt service.

Deal Structure

Purchase Price ($)

Down Payment (%)

Loan Terms

Interest Rate (%)

Loan Term (years)

Acquisition Costs

SBA Guarantee Fee (%)

Closing Costs ($)

Working Capital Reserve ($)

Business Cash Flow

Annual Net Operating Income ($ — from the business being acquired)

Acquisition Cost Summary

Loan Amount—

Monthly Payment—

Annual Debt Service—

Total Interest Over Term—

True Acquisition Cost

Down Payment—

Guarantee Fee—

Closing Costs—

Working Capital—

Cash Needed at Closing—

Debt Service Coverage

DSCR—

SBA 7(a) rates are variable (Prime + spread). Guarantee fees vary by loan size and term. DSCR requirement is typically 1.25x minimum. Consult a lender before making acquisition decisions.

Capture every inbound lead from the business you're buying — from day one.

Try LeadLock Free →

You might also find useful: SBA Loan Eligibility Calculator · Business Valuation Calculator · Small Business Loan Calculator