Know if your deal survives underwriting before the lender decides.
You send the CIM, three years of financials, and your terms. We send back the structure in writing: the 7(a)/504 split under the July 2026 caps ($5.0M each, up to $10M combined), coverage in years one and two and after the standby ends, and the material flags an underwriter will raise from the documents you provide. Then we walk it together on a call.
Three business days from complete documents. Need it in 48 hours? Pick rush at checkout. The full fee is credited against a buy-side engagement signed within 60 days. See a worked example first: the $7.0M teardown, one page (PDF).
One page that frames the next ninety days
Four things, on your live deal, in writing. First, sources and uses: how the purchase splits across the 7(a), the 504, your equity injection, and any seller note, sized against each program's cap. Second, the coverage math committees actually run: DSCR in year one and year two, then again the month the seller standby ends, scored against the 1.25x benchmark most lenders hold and the SBA's own 1.15x minimum. Third, the deal-breaker list: the specific flags in your deal, from thin post-standby coverage to a loan sequence that quietly rebuilds the old ceiling. Fourth, a verdict in plain English: the stack holds, the stack holds if these terms move, or walk.
Every number ties to your documents, not industry averages. And the write-up is yours: take it to your lender, your attorney, or your seller negotiation whether or not we ever speak again.
Free tells you if. The teardown tells you how.
Start free: the Stack Check takes sixty seconds and tells you whether your numbers can carry an SBA stack at all, and the sample PDF shows the work. When a real deal is on the table, the teardown does what a calculator cannot: it reads your actual financials, prices the addbacks a committee will strike, sequences the approvals, and puts a defensible structure in writing before you spend the diligence budget.
And if the deal moves forward, the teardown becomes the first chapter of the engagement: we run the same structure through underwriting to keys, with the full teardown fee already credited. The buy-side playbook explains the full run.
Buying every quarter? Put the teardown on retainer.
Platform builders screen more deals than they close, and the screen is where fortunes are kept. Standing coverage runs three teardowns a month at one flat monthly fee: every target read the same way, every structure scored against the same bar, a portfolio that underwrites consistently. It pairs with the BYOPE platform practice for everything after the read.
The honest answers
What do you need from me?
How fast is it?
Is this a loan approval or a lender commitment?
What if the teardown says the deal does not hold?
Is the fee credited if we keep working together?
The clock on your LOI is already running.
Checkout takes a minute, the documents take you ten, and in three business days you know whether the structure holds. Rather talk it through first? The 30-minute call is free either way.
Or talk through your deal on a free call. hello@clariqadvisory.com