Small Business Acquisition Underwriting Model (SBA 7(a)-Style) – Excel XLSX

BENEFITS OF THIS DOWNLOADABLE EXCEL DOCUMENT

1. Underwrite the deal the way the lender will � DSCR with a clear PASS / REVIEW flag against a 1.25x threshold.
2. A true 10-year MONTHLY amortization engine for the SBA loan plus an optional seller note, not an annual approximation.
3. Sources and uses that balance to the cent, with a two-way sensitivity grid across purchase multiple and interest rate.

M&A (MERGERS & ACQUISITIONS) EXCEL DESCRIPTION

Small Business Acquisition Underwriting Model (SBA 7(a)-Style) is an Excel template (XLSX) available for immediate download upon purchase.

The Small Business Acquisition Underwriting Model lets you underwrite a search-fund or owner-operator acquisition the way the lender financing it will. Enter the target's last-twelve-months revenue, SDE margin, growth and a market new-owner salary, then set the deal: purchase price, closing costs, equity injection, an optional seller note, and the SBA 7(a) rate and term. Everything downstream calculates itself.

What you get is a complete, transparent underwriting workbook. A full 10-year MONTHLY amortization schedule handles the SBA loan and the optional seller note, including an interest-only standby period if you use one. Five years of projections flow through to the debt-service coverage ratio (DSCR) the lender uses to decide whether the deal funds at all, with a clear PASS / REVIEW flag against a 1.25x threshold. A sources-and-uses block proves the deal balances to the cent, and the Returns sheet summarises both lender metrics (DSCR by year) and buyer metrics (cash-on-cash, equity multiple, IRR).

The main highlights: an SBA-style structure with a seller-note lever; a proper monthly amortization engine rather than an annual approximation; DSCR and returns computed side by side; and a two-way sensitivity grid showing Year-1 DSCR across purchase multiples and interest rates, so you can see instantly how much room the deal has before it breaks.

How to work with it: only the blue input cells are yours to change, and the yellow-filled cells are the key deal drivers to start with. Black and green cells are formulas – leave them alone. A realistic worked example is preloaded ($1.0m purchase on $300k SDE), and the profit ties to the equity cash flow exactly, so you can trace the logic before trusting it.

Why you need it: business acquisitions live or die on debt serviceability, and a locked black-box template won't let you check the number that matters. This one ships fully unlocked with every formula visible, built-in integrity checks, and an honest cover sheet that discloses each assumption. Currency-agnostic; treat $ as your currency. For analysis only, not lending or investment advice.

Source: Best Practices in M&A (Mergers & Acquisitions), Integrated Financial Model Excel: Small Business Acquisition Underwriting Model (SBA 7(a)-Style) Excel (XLSX) Spreadsheet, g59076599o70