SBA scenario comparison

Three structures. One clearer decision.

Compare cash injection, rate, term, and seller-note assumptions side by side—then take the preferred structure into a free plain-English review.

01 / Shared project facts

Keep the deal constant. Change the structure.

These four numbers apply to every scenario, so the comparison isolates the financing tradeoffs instead of changing the deal.

What are you financing?Choose the closest fit for the game-plan handoff.Total project cost

Purchase, improvements, equipment, and working capital.Estimated closing costs

Costs assumed to be paid in cash for this comparison.Annual cash flow for debt service

A planning estimate—not a lender-adjusted cash-flow result.Existing annual business debt

Annual payments that remain after the project closes.

02 / Three structures

Adjust one assumption—or all of them.

Seller-note standby is modeled with no current payment. Actual standby, repayment, and eligibility treatment require lender review.

Scenario APreferred

Cash injection

Bank rate

Bank term

years

Seller note

Seller rate

Seller term

years

Assume full standbyNo seller-note payment included in coverage.

Scenario BPreferred

Cash injection

Bank rate

Bank term

years

Seller note

Scenario CPreferred

Cash injection

Bank rate

Bank term

years

Seller note

Seller rate

Seller term

years

Assume full standbyNo seller-note payment included in coverage.

03 / Live comparison

See what each tradeoff actually changes.

Green markers identify the mathematical leader for each measure—not the best or most eligible SBA structure.

Scenario A

Preserve cash

Least cash

Combined monthly payment$15,808$15,808 bank

Cash at closing: $180,000
Estimated bank loan: $1,275,000
Seller note: $75,000 standby
Annual debt service: $189,698
Coverage estimate: 1.69x
Modeled interest: $622K bank only

Scenario B

Balanced

Combined monthly payment$15,638$15,638 bank

Cash at closing: $255,000
Estimated bank loan: $1,275,000
Seller note: None
Annual debt service: $187,659
Coverage estimate: 1.71x
Modeled interest: $602K

Scenario C

Lower payment

Lowest paymentBest coverageLeast modeled interest

Combined monthly payment$12,739$12,739 bank

Cash at closing: $330,000
Estimated bank loan: $1,050,000
Seller note: $150,000 standby
Annual debt service: $152,873
Coverage estimate: 2.09x
Modeled interest: $479K bank only

Preferred structure

Balanced

Take this comparison into a free conversation. Andrew will help verify what the model leaves out and which assumptions need lender confirmation.

Cash$255,000Payment$15,638Coverage1.71x

Have Andrew review this scenario

Educational estimate only. Rates, terms, injection, seller-note treatment, eligible costs, cash flow, fees, and final structure require current-program and lender review.