Type in the price. See if the deal survives.
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.
Instant download. Self-serve education, not advice. Refund within 14 days, no forms.
Three steps, five minutes
Enter the asking price, your down payment, the rate, and what the business earns. Every yellow cell is yours; everything else computes itself, including the monthly payment and the cash you personally need.
- Enter your assumptions
Price, down payment, interest rate and business earnings.
- Read the calculation
Monthly payments, cash needed and debt service coverage.
- Stress the deal
Change the price, the rate and the earnings assumptions.
A map of the workbook’s reading order. The workbook calculates from your inputs; this illustration is not a quote, a valuation or a lending decision.
The verdict, with its reasoning
The coverage ratio lenders read first, scored against the SBA's 1.25x floor for a first-time purchase and the 1.40x cushion that survives a slow quarter, then translated: strong, healthy, thin, or below the floor, and what each means for your next move.
The stress test
Price creeps 10% in negotiation. The rate rises 2 points before closing. The seller's earnings prove 15% optimistic. Three one-row scenarios that separate a deal from a hope with paperwork.
Built honest
Every formula is live and inspectable, the sample deal is labeled illustrative, assumptions are on the sheet, and a what-the-numbers-mean tab translates every term. Works in Excel and imports cleanly to Google Sheets.
The honest answers
Do I need spreadsheet skills?
Is this a valuation of the business?
Where do the thresholds come from?
Excel or Google Sheets?
Run the numbers before the listing runs you.
Five minutes with real numbers beats five weeks of wondering. And when the calculator says the deal is real, you will negotiate like someone who knows.
Browse the whole toolkit, or just say hello: hello@clariqadvisory.com