SMB DEAL ANALYZER

Can this business pay you and the bank?

Turns a business-for-sale listing into the numbers a lender and a buyer’s due-diligence team will actually compute — before you make an offer.

What it does

Enter the asking price, the seller’s stated earnings, the salary you need, and how you plan to finance it. The model returns:

▪ Normalized SDE and adjusted EBITDA — the way an underwriter computes them

▪ SBA 7(a) loan and annual debt service — guarantee fee financed

▪ Debt-service coverage ratio (DSCR) — the number that decides the deal

▪ True cash to close — never just the down payment

▪ Maximum price the deal supports — your walk-away number

▪ A buy / negotiate / walk verdict — on one screen

What’s inside

▪ Dashboard — the five numbers that decide the deal, colour-coded

▪ Earnings normalization — owner comp, personal expenses, family payroll, one-time items, rent

▪ Sources and uses — equity, SBA loan, seller note, working capital, capex, closing costs

▪ Coverage and returns — DSCR, cash-on-cash, payback, break-even SDE

▪ Sensitivity heatmap — DSCR across nine prices and seven earnings outcomes

▪ Seller-note scenarios — no note, moderate, heavy, side by side

▪ E-2 visa screen — proportionality, funds at risk, source of funds, marginality

▪ Industry multiples — directional SDE and EBITDA ranges, twenty categories

Who it’s for

First-time and repeat acquirers evaluating businesses under about $5M in the United States — SBA 7(a) buyers, search funds, E-2 visa applicants, and owners buying a second location or a competitor.

Format

Excel workbook (.xlsx), fully compatible with Google Sheets. No macros, no add-ins, no software to install. Every number is a live, traceable formula. Blue cells are yours to change; everything else calculates. Print-ready. An example deal is pre-loaded so you can see the expected inputs.

Licence

Single-buyer licence, unlimited deals. Free updates when SBA fee tiers or rate assumptions change. Digital product delivered instantly after checkout — all sales are final.

Financial screening tool. Not legal, tax, lending, or immigration advice. For a written analysis of a specific listing using comparable transaction data, see the deal analysis service at buywithxp.com/deal-analysis.

Published by XP M&A Advisory · buywithxp.com

XP M&A Assets

SMB Deal Analyzer