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Overview The Buyer's Toolkit For Buyers For Sellers
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The ClarIQ Toolkit · SBA Series

Small, honest tools for buying your first business.

Self-serve, plain-English, and priced for normal people: each tool does one job on the road from daydream to keys. Start free with the Stack Check, then arm yourself properly. Every fee lives on its own product page.

In the toolkit

Buy a Business With the Bank's Money

Ordinary people buy profitable businesses every week with about 10% down and a government-guaranteed loan behind them. This 10-page pack shows you exactly what the bank needs to see: the three tests they run on you, the document list with the reason behind every ask, the four numbers that decide approval, and the 90-day map from first call to keys.

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In the toolkit

Which Loan Fits You?

7(a) and 504 sound like tax forms and gatekeep like a secret handshake. This 7-page guide translates both into plain English, walks you to your answer in three questions, and hands you the one-sentence opener that makes a lender stop using the beginner script on you.

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In the toolkit

The "Can I Actually Afford This?" Calculator

A spreadsheet that runs the same four-number test a lender's underwriter runs: your cash in, the loan, the payment, and whether the business earns enough to cover it with room to spare. Green, amber, or red, with the reason in plain words, and the three stress tests the bank will run anyway. Beat them to it.

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In the toolkit

Walk Into the Bank Sounding Like a Pro

Banks are not a wall; they are a market with wildly different appetites, and the buyer who interviews three of them runs an auction instead of an application. This 8-page kit arms every meeting: the first-call script, the live-deal script, the fine-print traps, and the sheet that turns three offers into one clear winner.

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The bundle

The First-Time Buyer Kit

The four buyer tools, sequenced: get loanable, pick your program, pressure-test the deal, then win the lender meetings. The kit bundles all four for less than they cost separately, with a start-here sheet that tells you exactly what to do each week. One download, yours for the whole search.

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Beyond self-serve

Free on one side, professional eyes on the other

Start free: the 60-second Stack Check tells you whether your numbers can carry an SBA stack at all, and the loanable quiz grades a business for sale. When a live deal needs professional eyes, the written deal teardown is the step up from self-serve.

The ClarIQ Toolkit

Small tools. Big, careful things.

Every tool is self-serve, current to the July 2026 rules, and written in the plain English this firm is built on. Questions before buying? Ask a human.

hello@clariqadvisory.com