See the whole file, worked to the dollar.
A $7.0M acquisition under the July 2026 rules: the 7(a) + 504 split, the seller note on standby, 1.53x coverage in years one and two, and a downside case that slides to 1.14x, under the SBA's own 1.15x minimum. This is the full interactive teardown, the same shape of file a buy-side engagement produces.
Short on time? The one-page summary is free, no email: download the PDF. Or rough out your own stack first.
What the full version adds over the PDF
- Sources and uses to the dollar, including the injection math and where every piece of the $700,000 comes from.
- Both coverage cases: 1.53x in years one and two, and the downside that lands at 1.14x once the standby ends, with the fix.
- The SBA exposure math against the $10M combined cap, and the $5.8M of headroom this structure leaves the buyer.
- The deal-breaker list: each item an underwriter would flag, and the structural answer to it.
Working a live deal? Talk through your deal and bring the CIM.