Business Financing Calculator
Structure any deal — seller financing, balloon notes, interest-only & more.
Set the sale price, down payment, interest rate, and loan term in the panel on the left.
Add a balloon note, step-up rate, or payment frequency — all optional. Enter monthly revenue for a DSCR check.
Your full breakdown appears here — monthly payment, amortization schedule, seller return, deal health, and more.
Save a PDF, email the results to your buyer or seller, or copy a shareable link to the exact deal structure.
Enter up to 3 different deal structures to compare them side by side.
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.
Compare an SBA 7(a) loan structure side-by-side with a seller-financed deal on the same business purchase.
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.
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.
Model what the seller's retained equity could be worth at exit.
Layer multiple financing sources — senior debt, seller note, and equity — into a single deal structure. See total monthly obligations and how each tranche contributes.
Compare your estimated tax liability under an all-cash sale versus spreading the gain over time using the IRS installment sale method (IRC §453).
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.