SBA 7(a) Loan Calculator
Calculate DSCR, eligibility, and loan terms for search fund acquisitions (2026 rules)
Loan Parameters
$
$
After QoE adjustments (addbacks, one-time items, etc.)
80%
Typical: 70-80% for search fund deals
Typical: 8-10% (Prime + 2.25-2.75%)
25%
>50% = SBA ineligible
Loan Summary
Loan Amount:$2,400,000
Equity Required:$600,000 (20.0%)
Monthly Payment:$30,402
Annual Debt Service:$364,826
DSCR (Debt Service Coverage Ratio)
1.64x✅ Meets preferred requirement (≥1.25x)
SBA 7(a) Eligibility (2026 Rules)
DSCR ≥ 1.15x (Preferred: ≥1.25x)
Equity ≥ 10% (Preferred: ≥15% for deals >$1M)
Customer concentration < 50%
Loan amount ≤ $5M
Normalized EBITDA ≥ $200K (recommended)
Get Full Deal Analysis
SearchFindr analyzes entire CIMs in 60 seconds, calculating DSCR, SBA eligibility, QoE red flags, and search fund fit automatically.
Start Your Free TrialNote: This calculator provides estimates based on 2026 SBA 7(a) rules. Actual loan terms may vary by lender. Always verify with your SBA-preferred lender.
DSCR Calculation: Uses simplified amortization. Actual payments may vary slightly. Normalized EBITDA should reflect Quality of Earnings adjustments (addbacks, one-time items, etc.).
Read our complete SBA 7(a) guide →