Small Business Acquisition Calculator
Paste a listing, choose how you'd finance it, and see the numbers a lender will look at: coverage ratio, annual debt service, what's left for you, and how long your cash takes to come back.
BDC and Canadian acquisition lenders generally want 1.25x coverage.
Deal numbers
Equity & seller note
Bank financing
Loan balances over 10 years
Remaining principal on the bank loan and the seller note at the end of each year.
Opens this calculator with your exact numbers already filled in — send it to a client or lender.
Estimate only — not financial advice. Lenders adjust cash flow their own way and fees vary by program and by deal.
How the frameworks differ
The purchase price stays the same across both financing frameworks — what changes is the fees rolled into the bank debt and the coverage ratio the lender expects. BDC-style Canadian acquisition debt adds a processing fee plus an allowance for appraisal and legal work, while conventional debt typically carries a smaller origination fee but less flexible terms.
Once the structure looks workable, price the debt in detail with the business loan calculator, stress-test coverage with the DSCR calculator, then compare Canadian lenders.