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Ebenger Advisors

Free tools

Run the numbers before you call anyone.

The same two checks I run on every deal, updated for the October 2026 SBA rules. Example figures are loaded, so change them to yours. Nothing you type leaves this page.

Value Snapshot

Recast your profit the way a buyer will, including the cost to replace you.

$
$
$
$
$
×
×
Seller's discretionary earnings705,000
Manager to replace you(110,000)
Earnings a buyer will pay for595,000
Value range$1.79M to $2.38M

Multiplying SDE instead would overstate your value by $330K to $440K. That's the gap that kills deals at the bank.

Illustrative math, not a valuation. Real multiples depend on industry, size, customer concentration and how much the business depends on you.

SBA Deal Check

Will the deal cover its debt, and does your down payment meet the 10% equity rule?

$
$
%
%
%
yr
%
yr
SBA loan1,530,000
SBA payments per year247,700
Seller note payments per year0
Debt coverage1.82×
Comfortable coverageMeets the 10% equity minimum

Simplified: equity is measured on purchase price only, while lenders use total project cost, including working capital and closing costs. Under SBA SOP 50 10 8.1 (loans numbered on or after Oct 1, 2026), acquisitions need at least 1.25× coverage on historical earnings, not projections. Rules change, so confirm current terms with your lender.

Want me to check your real numbers?

Send them over. I'll tell you whether the deal works and what I'd change.

Send your numbers