ProFundraising · Simulator
SBA Acquisition Simulator
Can the business service the loan that buys it?
Assumptions
DSCR
1.68x
Cash flow after debt
$101,230
Cash-on-cash
101%
| Line | Amount |
|---|---|
| Loan amount | $900,000 |
| Annual debt service | $148,770 |
| Business cash flow | $250,000 |
| Owner cash after debt | $101,230 |
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Built by The Crimson Bench · Educational model, not financial advice
About the SBA Acquisition Simulator
Model buying a business with an SBA loan to see debt service, DSCR, and cash-on-cash return on your down payment.
It's built for directional planning: change any assumption and watch the whole projection move, the way a seasoned operator pressure-tests a plan before committing capital. Everything is computed live in your browser — nothing is sent anywhere.
How the SBA Acquisition Simulator Works
The model takes 5 assumptions and returns 3 headline metrics plus a full breakdown. Here is exactly what goes in and what comes out — no black box.
The Inputs
| Assumption | Example value |
|---|---|
| Purchase price | $1,000,000 |
| Down payment | 10% |
| Loan rate | 11% |
| Loan term (years) | 10 |
| Business cash flow (SDE) | $250,000 |
Worked Example
Every figure below is produced by the live model using the example assumptions above. Change any input in the simulator to see your own numbers.
DSCR
1.68x
Cash flow after debt
$101,230
Cash-on-cash
101%
| Line | Amount |
|---|---|
| Loan amount | $900,000 |
| Annual debt service | $148,770 |
| Business cash flow | $250,000 |
| Owner cash after debt | $101,230 |
The Operator's Read
A 1.68 DSCR with 101% cash-on-cash — this is the appeal of acquisition: control a large cash flow with a small down payment. Buy on verified earnings, not projections.
Assumptions & Limitations
- •The model is deterministic: it projects your inputs forward with clear arithmetic, not a Monte-Carlo or probabilistic forecast. It shows one scenario at a time — run several to bracket a range.
- •Defaults are illustrative benchmarks, not your business. Replace every field with your real numbers before drawing conclusions.
- •It abstracts away taxes, financing, seasonality, and one-off events unless a field explicitly captures them. Treat the output as a directional estimate.
- •This is an educational tool, not financial, investment, tax, or legal advice. Validate real decisions with a qualified professional.
Frequently Asked Questions
What does the SBA Acquisition Simulator calculate?
Model buying a business with an SBA loan to see debt service, DSCR, and cash-on-cash return on your down payment. It takes 5 assumptions — Purchase price, Down payment, Loan rate, Loan term (years), Business cash flow (SDE) — and returns DSCR, Cash flow after debt, Cash-on-cash, along with a full projection table you can export.
How do I use the SBA Acquisition Simulator?
Enter your own figures in the input fields above — Purchase price, Down payment, Loan rate, and the rest. The model recalculates instantly and shows the resulting DSCR and full breakdown. No sign-up needed to run it.
Is the SBA Acquisition Simulator free?
Yes — you can run the simulator and see the headline results for free. Toolkit Pro unlocks the full projection table, Excel/PDF export, saved scenarios, and AI analysis: $180/mo, $1,728/yr, or unlock any 3 simulators for $20.
What's the difference between this and a free calculator?
A calculator answers one question. This simulator models the full picture — multiple linked assumptions, a projection table, and scenario comparison — the way an operator would build it in a spreadsheet, but instantly.
Who built the SBA Acquisition Simulator?
The Crimson Bench's Ivy League-educated operators — the same people we deploy into C-suites. This is the self-serve version of a model they'd build inside a live engagement.
Is this financial advice?
No. The SBA Acquisition Simulator is an educational modeling tool for directional planning — not financial, investment, tax, or legal advice. Validate any real decision with a qualified professional.
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The Crimson Bench · Est. 2002 · Founded in New York City
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