For W-2 professionals evaluating acquisitions
The SBA Survival Engine stress-tests any acquisition before you sign. See exactly what happens to your cash, your income, and your runway when revenue drops.
Free basic analysis · Full report $49 · Works with any SBA 7(a) deal
But nobody has modeled what happens to your family if it doesn't.
You're betting your savings on a number the seller has every incentive to exaggerate. The model applies a haircut based on industry risk.
401k match, health insurance, stability. The total cost of leaving your W-2 is bigger than your paycheck.
A 1.25x coverage ratio says the loan gets paid. It doesn't say your mortgage does. This models both.
Not a spreadsheet. Not a pro forma. Plain English: how much cash, how long is the runway, what if revenue drops.
Enter any deal. The scorecard tells you what your broker won't.
Deal Scorecard — Example: $500K Service Business
⚠ CAUTION — 2 red flags and 2 yellow flags. Address before proceeding.
Enter the deal numbers. Enter your personal finances. Get the answer.
8 automated risk flags with a go / no-go verdict. The single page that tells you whether to keep going or walk away.
What happens at 10%, 20%, 30%, and 40% revenue declines. See exactly where your cliff edge is.
Two numbers: the revenue drop that triggers debt default, and the drop that means your family can't cover expenses.
Down payment, SBA fees, legal, transition costs, salary bridge, working capital. The real number — not the broker's number.
SBA rates are variable. See what happens to your debt coverage if rates rise 1% or 2%.
Over 5 and 10 years — is this deal actually better than keeping your job? Including benefits you lose.
12-month view under stress. Cash in, costs out, cumulative position. See when the money runs out.
Plain-English answers: how much cash do we need, can the business pay our bills, how long is our runway. Print this page.
The Spouse Summary translates the analysis into the questions your partner actually cares about. No jargon. Print it. Sit down together. Have the real conversation with real numbers.
Quick deal check — email required
One payment · Unlimited deals · No subscription
You're about to invest six figures in a business. This is the $49 sanity check before you write that check.
Stress Test Your DealOne-time payment · Unlimited analyses · No subscription
W-2 professionals evaluating businesses to buy via SBA 7(a) financing. If you've found a deal and need to know whether it's personally survivable before you commit — this is for you.
Free calculators tell you if a deal is bankable. This tells you if it's survivable. It stress-tests cash flow under revenue declines, models the full cost of leaving your W-2, calculates the exact revenue drop that triggers default or family crisis, and gives you a plain-English summary you can show your spouse.
A basic analysis with your DSCR, cash at close, survival rating, and top risk flags. Enter your email and see results instantly.
One payment unlocks the full engine permanently. Run unlimited deal analyses with the complete scorecard, stress testing, W-2 comparison, monthly cash flow, rate sensitivity, and spouse summary. No subscription, no per-deal fees.
No. This is a screening tool to help you evaluate deals before engaging professionals. Always verify assumptions with a CPA and work with an SBA lender before proceeding with any acquisition.
Yes — that's the point. Most buyers evaluate dozens of deals before pursuing one. The full engine lets you screen fast and focus on the deals worth deeper diligence.
Yes. The engine handles deals with and without real estate. If the purchase includes property, it models a separate 25-year SBA loan for the real estate portion and a 10-year loan for business assets — exactly how SBA lenders structure it.