Acquisition Analyzer Affordability, before the offer.

Know What You Can Afford Before Buying a Business

Model asking price, financing, cash flow after debt service, and downside earnings stress — privately in your browser.

Open calculator Premium analysis

Free tool

Acquisition affordability calculator

Enter deal and financing inputs. Results update only after you calculate — invalid values are rejected, not silently corrected.

SDE is the seller's total economic benefit from the business (profit plus owner compensation and common add-backs) before buyer adjustments.
What you would pay a hired manager to run the business if you are not filling that role yourself.
Cash set aside each year for equipment, facilities, or other capital reinvestment needed to sustain operations.
Reduces SDE by this percent, then recomputes cash flow and coverage

Example deal values are illustrative only. Loading them fills the form; click Calculate affordability to run results.

Proposed product

Premium analysis package

A deeper written review of your deal structure — pricing context, financing sensitivity, and stress scenarios beyond the free calculator.

$99Coming Soon

  • Structured walkthrough of your calculator outputs
  • Scenario comparison across price and leverage
  • Documented assumptions you can share with advisors
Coming Soon — not available for purchase

Stay informed

Interest registration

If you want to hear when the $99 package launches, you can register interest through an external Tally form (email + willingness to pay only — never calculator deal numbers).

Registration is not active. No interest form is connected yet. Email is not collected on this page, and no submissions are received.

Interest registration will open in Tally once the site owner configures a form URL. Until then, this control stays disabled.

Privacy

How your data is handled

Short disclosure for this demand-validation site. Status below reflects whether optional services are configured.

  • Calculator inputs stay in your browser. They are not uploaded, stored on a server, or included in analytics payloads.
  • Financial deal numbers are never submitted with interest registration or analytics events.
  • Email is collected only if you voluntarily submit the external Tally form — and only after the owner configures a real form URL. Registration is not active right now.
  • Optional Cloudflare Web Analytics, when configured by the owner, records aggregate page visits only. Custom event names (successful calculate; interest-link click) never include financial values. Analytics is not configured right now — no analytics script is loaded.

Transparency

Assumptions & limitations

This tool is for educational demand validation. It is not lending advice, investment advice, or a credit decision.

  • Loan principal = asking price − down payment. Monthly payment uses standard fixed-rate amortization; if interest rate is 0%, payment = principal ÷ term months.
  • Adjusted operating cash flow = SDE − replacement manager compensation − CapEx reserve.
  • Annual debt service = 12 × monthly acquisition loan payment + additional annual debt obligations.
  • DSCR and cash-on-cash return display N/A when the denominator is zero (no debt service or no down payment).
  • Stress testing reduces SDE by the selected percentage, then recomputes adjusted cash flow, coverage, and returns against the same debt service.
  • Taxes, working capital, closing costs, lender fees, variable rates, and balloon structures are not modeled.
  • Invalid inputs produce validation errors; values are not silently changed.