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The proof asset

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 full standby, 1.53x coverage, and a downside case that slides to 1.16x, well under the 1.25x the SBA requires for a first-time purchase from October 1, 2026. 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.

One field, instant access. No newsletter, no drip sequence. A real person reads replies at hello@clariqadvisory.com.

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 as structured, and the all-on-7(a) downside that lands at 1.16x, 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.

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