check_deal_affordability
Check deal affordability
Test whether a business acquisition supports its debt. Takes the purchase price, the seller's stated earnings, the buyer's equity share and loan terms; returns the cash flow after a market salary and capex, the senior loan, the annual debt service, the debt service coverage ratio (DSCR) against an initial-acquisition reference of 1.25 and an illustrative conventional reference of 1.50. These do not determine eligibility or approval. Use this first when the user has a price and earnings. Illustrative, not a commitment.
輸入參數interestRateequityPercentloanTermYearspurchasePrice必填capexAllowancesellerNoteRateaddBacksRejectedreportedEarnings必填sellerNoteAmountownerMarketSalarysellerNoteStandbyexistingDebtService另有 1 個
build_capital_stack
Build a capital stack
Lay out sources and uses for a business acquisition and solve the senior loan as the remainder. Takes the price, working capital, closing costs, buyer and other equity, a seller note with its terms, senior loan terms and annual cash flow; returns the funding gap, each source as a share of total uses, the first-year debt service, the coverage by year and a cash-flow sensitivity. Use when the user asks how the whole purchase gets funded.
輸入參數debtPayoffsellerNotesellerRateseniorRatetargetDscrbuyerEquity必填otherEquityclosingCostsseniorAmountcashAvailablepurchasePrice必填annualCashFlow必填另有 9 個
model_acquisition_loan
Model an acquisition loan
Compute the payment and amortization of a senior acquisition loan. Takes the principal, the rate, the term and the amortization period, with an optional annual cash flow for a coverage check; returns the monthly payment, first-year debt service, total interest, any balloon at maturity and the DSCR when cash flow is given. Use when the user asks what a loan of a given size costs each month or year.
輸入參數ratetermYearsloanAmount必填annualCashFlowamortizationYears
model_seller_note
Model a seller note
Model seller financing in a business acquisition: amortizing or interest-only, with optional standby months and interest treatment. Returns the monthly payment, the first full amortizing year of service, the balloon due at maturity, total interest, the share of the price the note carries and coverage when cash flow is given. Use when the user asks what a seller note costs or what is owed at the end.
輸入參數noteRaterepaymentnoteAmount必填maturityYearspurchasePricestandbyMonthsannualCashFlowstandbyInterestamortizationYearsexistingAnnualService
normalize_sde_valuation
Normalize SDE and value the business
Normalize a seller's earnings into seller's discretionary earnings (SDE), itemizing each add-back with a conservative case alongside, then bridge to cash flow available for debt service and apply a multiple range the user supplies. Returns claimed SDE, conservative SDE, excluded double-counted adjustments, cash flow for debt service and the value range. Use when the user asks what the earnings are or what the business is worth on them. The tool does not supply industry multiples.
輸入參數basiscashTaxesadjustmentslowMultiplebaseEarnings必填highMultiplemaintenanceCapexreplacementManagementworkingCapitalIncrease
screen_sba_eligibility
Screen baseline SBA 7(a) eligibility
Screen a business acquisition against baseline SBA 7(a) requirements: ownership citizenship, loan size, for-profit US operation, size standard, change of ownership, existing SBA debt, equity injection, seller note standby and credit elsewhere. Returns each rule as pass, review or constraint, with its source and verification status. This is a screen, not an eligibility finding: most rules route to review, and no answer produces "eligible". Use when the user asks whether an SBA loan is an option.
輸入參數citizenshiploan-amountfor-profit-ussize-standardcredit-elsewhereequity-injectionexisting-sba-debtchange-of-ownershipseller-note-standby
