PeachBiz

Business Financing Calculator

Structure any deal — seller financing, balloon notes, interest-only & more.

Deal Terms
$
$
20%
%
years
Balloon Note
Amortization Type
Payment Frequency
Deal Feasibility (optional)
$
Note Present Value (optional)
%
How to use this calculator
1
Enter deal terms

Set the sale price, down payment, interest rate, and loan term in the panel on the left.

2
Choose options

Add a balloon note, step-up rate, or payment frequency — all optional. Enter monthly revenue for a DSCR check.

3
Click Calculate Deal

Your full breakdown appears here — monthly payment, amortization schedule, seller return, deal health, and more.

4
Share or export

Save a PDF, email the results to your buyer or seller, or copy a shareable link to the exact deal structure.

What you'll see after calculating
💳 Monthly Payment
📊 Amortization Schedule
🤝 Seller Net Return
✅ Lender Qualification
📈 Annual Timeline
🏦 SBA vs Seller Finance
More tools in the tabs above: Compare Scenarios · Term Comparison · Wrap Mortgage · Earnout · Equity Rollover · Multi-Tranche · Installment Tax · Deal Intelligence

Enter up to 3 different deal structures to compare them side by side.

Scenario 1
$
$
%
yrs
yrs
Scenario 2
$
$
%
yrs
yrs
Scenario 3
$
$
%
yrs
yrs

Enter one deal and see how monthly payment and total interest change across loan terms.

$
$
%

A wrap mortgage layers a new seller note on top of an existing underlying loan. The seller collects a higher rate from the buyer while continuing to pay the underlying lender.

Underlying Loan (Existing)
$
%
years
Wrap Note (New Deal)
$
$
%
years

Compare an SBA 7(a) loan structure side-by-side with a seller-financed deal on the same business purchase.

Deal Basics
$
$
SBA 7(a) Terms
%
years
%
Seller Finance Terms
%
years
yrs

An earnout lets the seller receive additional payments tied to future business performance. Model up to 5 years of earnout milestones alongside the base deal.

Base Deal
$
$
$
%
years
Earnout Milestones

Enter the earnout payment for each year (leave 0 if no earnout that year).

$
$
$
$
$

An equity rollover lets the seller retain a percentage stake in the business. This reduces the cash needed at close while keeping the seller invested in the business's future success.

Deal Terms
$
%
$
%
years
Growth Assumptions

Model what the seller's retained equity could be worth at exit.

%
years
×

Layer multiple financing sources — senior debt, seller note, and equity — into a single deal structure. See total monthly obligations and how each tranche contributes.

Deal Price
$
Senior Debt (Bank / SBA)
$
%
yrs
Seller Note (Junior)
$
%
yrs
Equity / Down Payment
$
Equity / cash at close. No monthly payment — reduces the loan-to-value on the deal.
Senior Debt — Seller Note — Equity —
⚖️ This calculator provides estimates for informational purposes only and does not constitute tax advice. Tax laws vary by state and individual circumstances. Consult a qualified CPA or tax attorney before making decisions based on these figures.

Compare your estimated tax liability under an all-cash sale versus spreading the gain over time using the IRS installment sale method (IRC §453).

Sale Details
$
$
$
$
Your Tax Rates
%
Installment Note Terms
$
$
%
years

Deal Intelligence Report

Complete deal analysis from one set of inputs. Run a deal on the Single Deal tab first, then return here for the full picture.

⚡

No deal calculated yet. Go to the Single Deal tab, enter your deal terms, and click Calculate Deal. Then return here for the full intelligence report.

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