Your Financial Picture

We need a few numbers to calculate your acquisition buying power. Everything stays in your browser — nothing is stored.

Income

W-2 / Primary IncomeiYour current annual salary or primary income source. This is used to estimate debt service capacity and post-acquisition cash flow.$250,000

$0$1M

Spouse / partner income

Other income (rental, investments, etc.)

Assets

Liquid CapitaliCash, savings, money market accounts, and investments you could access within 30 days. This is the primary driver of your buying power — it funds your down payment, working capital, and closing costs.$200,000

$0$2M

Net WorthiTotal assets minus total liabilities. Used to assess ROBS eligibility and overall financial health. Include home equity, retirement accounts, and other assets.$500,000

$0$10M

Monthly Obligations

Monthly Living ExpensesiYour household monthly spending — mortgage/rent, utilities, food, insurance, childcare, etc. Used to calculate how long your reserves last during a search period.$10,000/mo

$2K/mo$40K/mo

Monthly Debt PaymentsiMinimum required payments on existing debts — student loans, car payments, credit cards, personal loans. Mortgage is typically included in living expenses above.$2,000/mo

$0$20K/mo

Credit

Credit Score RangeiSBA lenders typically require 680+ for approval. Below 650, alternative financing paths may be needed. Your exact score matters less than the range.

Your credit score meets SBA 7(a) lending requirements.