Free tool, no sign-up

Does your deal survive underwriting? Check the stack in sixty seconds.

For a deal you are already looking at, from about $1M up: five numbers in, and you see whether a bank's loan math works before you make an offer. Under $1M? The calculator on the buying page starts at $200,000. Five sliders: price, fixed assets, earnings, cash, seller note. You get the 7(a)/504 split under the July 2026 caps, your coverage against what lenders actually require, and the flags an underwriter would raise. Software usually makes you do the work. This does the work, then tells you what it found.

Check your stack

Slide to your deal. Read the verdict.

Stack CheckJuly 2026 caps

Purchase price, business + property $4,000,000 Of which real estate + heavy equipment $1,500,000 Yearly earnings before loan payments (adjusted EBITDA) $900,000 Your cash in $400,000 Seller note on full standby, no payments while the SBA loan runs $400,000

Illustrative assumptions, stated so you can argue with them: working capital and costs at 7% of price, maintenance capex at 6.5% of EBITDA, 7(a) at 9.50% (prime 6.75% plus 2.75) over 10 years, 504 first lien at 7.50% and debenture at 6.27% (the August 2026 rate) over 25 years, 504 split 50/40/10. The seller note is on full standby, meaning no payments until the SBA loan is repaid, so it adds nothing to the payment and counts toward at most half of the 10% down payment; a note that starts paying sooner cannot count at all. Coverage is graded against the 1.25x the SBA requires for a first-time purchase on loans numbered from October 1, 2026. Rates as of September 1, 2026 (review log). Not a loan offer, a commitment, or a rate quote. Lenders and SBA set final terms.

7(a) loan, business side$0

504 first lien + debenture$0

Down payment that counts$0

Total project$0

DSCR on these payments0.00x

Your own cash, share of project0%

SBA exposure vs $10M cap$0

What this means

Three levers, ranked by effort

Get the paid written teardown on your actual financials Book a call

Want the same math on paper? Download the one-page deal teardown (PDF), a worked $7.0M example of a stack that holds.

The honest part

What this tool cannot see

The Stack Check does arithmetic. Underwriting judges evidence. This page cannot see whether your addbacks survive a quality of earnings review, whether the loan sequence preserves your caps, whether the property clears occupancy rules, or whether the file arrives complete. Those are precisely the places deals die after months of diligence money, and no slider fixes them.

So treat a green verdict as permission to get serious, not proof the deal funds. And treat a red one as a gift: you just found the structural problem for free, months before a lender found it for you. Either way, the next step is the same and costs nothing: thirty minutes with the person who builds these files. And when a real deal is on the table, the deal teardown pressure-tests your actual financials, not slider estimates.

What does the Stack Check test?

It splits your deal into the 7(a) and 504 instruments under the July 4, 2026 caps ($5.0M each, $10M combined), computes debt service at stated illustrative rates, grades your coverage against the 1.25x the SBA requires for a first-time purchase on loans numbered from October 1, 2026, and checks the 10% down payment rule, at least half of it your own money. It also flags the classic deal-breakers: a business side past the 7(a) cap, a down payment that does not count, and coverage with no room to spare.

Is the result a loan approval or a rate quote?

No. It is a structure read on disclosed assumptions, not a loan offer, a commitment, or advice on a specific transaction. Lenders set real terms, and underwriting decides on documented earnings. It exists so you find the structural problems before a lender does.

What does it deliberately not check?

Addback quality, sequencing, eligibility, occupancy, and everything else that lives in the file rather than the arithmetic. Those are exactly the things that break deals late, and they are what the free 30-minute call covers.

Stack Check

The sliders found something?

Thirty minutes, free. Bring the numbers you just tested. We rebuild them on defensible earnings, flag the sequencing risk, and tell you straight whether the stack holds. Reading first? Start with the stacking explainer.

Talk through your deal

More free tools: the full first-look toolbox, or everything free in one place.

No retainer required to talk. hello@clariqadvisory.com