SBA Prequal & DSCR Workbook
Professional loan analyzer for SBA 7(a) deal qualification & structuring
Simple
Advanced
1
Deal Type
2
Numbers
3
Financials
4
Guarantor
5
Results
What type of deal is this?
Select the primary purpose of your SBA loan.
Business Acquisition
Buy an existing business
Commercial Real Estate
Purchase or refinance CRE
Working Capital
Fund operations & growth
Partner Buyout
Buy out a business partner
Deal Numbers
Enter the key financial details of your deal.
Prime 6.75% + 2.50% spread
Auto-Calculated
SBA Loan Amount$0
SBA Guaranty Fee$0
Monthly Payment$0
Annual Debt Service$0
Business Financials
Enter the business's financial performance.
Net profit + owner salary + depreciation + amortization + interest + one-time expenses
DSCR Preview
Available Cash Flow$0
Total Annual Debt Service$0
Business DSCR0.00x
Guarantor Quick Check
Primary guarantor information for credit qualification.
Primary Guarantor
✅ Meets SBA minimum (650+)
Post-Close Liquidity
Total Liquid Assets$0
Less: Cash Equity Injection$0
Post-Close Liquidity$0
Results Dashboard
Your SBA 7(a) loan pre-qualification analysis.
0.00x
Business DSCR
Enter data to calculate
📋 Credit Checklist
📊 Deal Snapshot
Total Project Cost$0
SBA 7(a) Loan$0
Equity Injection$0
Rate / Term9.25% / 10 yr
Monthly Payment$0
Business DSCR0.00x
📈 Rate Sensitivity
| Rate | Monthly | DSCR |
|---|
💰 Guarantor Summary
FICO Score—
Net Worth$0
Post-Close Liquidity$0
Equity Injection %0%
Loan Request Analysis
Sources & Uses of Funds
| Description | Uses | Sources | % of Total | Notes |
|---|---|---|---|---|
| Commercial Real Estate | — | |||
| Business Acquisition | — | |||
| Working Capital (7a) | — | |||
| Working Capital (Express) | — | |||
| SBA Guarantee Fee | — | Auto-calc | ||
| Closing Fees | — | |||
| Other Uses | — | |||
| Total Uses | $0 | 100% | ||
| SBA 7(a) Loan | — | |||
| Conv. Pari Passu | — | |||
| Express LOC | — | |||
| Seller Note (Sub) | — | |||
| Seller Note (Standby) | — | Full standby | ||
| Cash Equity | — | |||
| Other Sources | — | |||
| Total Sources | $0 | — | ||
| S&U Balance (Delta) | $0 | — | ||
SBA 7(a) Loan Terms
Current WSJ Prime Rate %
SBA max: 2.50% (loans ≥$250K, term ≥7yr)
Required by most lenders at closing
SBA Guaranty Fee Calculation
SBA Guarantee %75%
Guaranteed Portion$0
$0–$150K @ 2.00%$0
$150K–$700K @ 3.00%$0
$700K–$1M @ 3.50%$0
$1M–$5M @ 3.75%$0
Total Guaranty Fee$0
Working Capital Summary
Total Working Capital$0
Closing Costs Summary
Total Closing Costs$0
Other Debt Service
| Debt | Rate | Term (mo) | Balance | Mo. Pmt |
|---|---|---|---|---|
| Conv. Pari Passu | $0 | |||
| Seller Note Sub | $0 | |||
| Express LOC | $0 | |||
| Total Other Annual Debt Service | $0 | |||
Guarantor Analysis — Personal Financial Statements
Enter up to 3 guarantors. Assets, liabilities, net worth, and post-close liquidity are auto-calculated.
Combined Guarantor Summary
Combined Total Assets$0
Combined Total Liabilities$0
Combined Net Worth$0
Combined Post-Close Liquidity$0
Affiliates — Cash Flow Analysis
Enter income statement data for the subject business (or affiliate). 4 periods: Tax returns 2022–2024 + Interim/Projected 2025.
| Line Item | 2022 Taxes | 2023 Taxes | 2024 Taxes | Interim 2025 |
|---|---|---|---|---|
| Sales / Revenue | ||||
| COGS | ||||
| Gross Profit | ||||
| Operating Expenses | ||||
| Other Income | ||||
| Pre-Tax Profit | ||||
| Add-Backs | ||||
| Required Owner Draw | ||||
| Salaries / Owner Draw | ||||
| Rent (above market) | ||||
| Interest Expense | ||||
| Depreciation | ||||
| Amortization | ||||
| Other Add-back 1 | ||||
| Other Add-back 2 | ||||
| Total Add-Backs | ||||
| Deductions | ||||
| Tax Liability (est.) | ||||
| Available Cash Flow | ||||
| Debt Service | ||||
| Existing Debt Payments | ||||
| Excess Cash Flow | ||||
Existing Debt Schedule
| Creditor | Balance | Rate | Mo. Pmt | Maturity | To be Refinanced? |
|---|---|---|---|---|---|
SBA 7(a) Credit Checklist
Auto-checked where data is available. Manual override with dropdowns.
Criteria Met0 / 0
Overall Status—
DSCR Calculation & Deal Summary
Business DSCR (Subject Entity)
Available Cash Flow (most recent)$0
SBA 7a Annual Debt Service$0
Other Annual Debt Service$0
Total Annual Debt Service$0
Business DSCR0.00x
Global DSCR (incl. Guarantor Income)
Global DSCR0.00x
Additional Metrics
Debt-to-EBITDA0.0x
Loan-to-Cost (LTC)0%
Equity Injection %0%
0.00x
Enter data to calculate
Business DSCR
Rate Sensitivity Analysis
| Rate | Mo. Pmt | Annual DS | Biz DSCR | Status |
|---|
Deal Snapshot
Total Project Cost$0
SBA 7(a) Loan$0
Equity Injection$0
Rate / Term— / —
Monthly Payment (SBA)$0
Business DSCR0.00x
Global DSCR0.00x
Qualification—
Disclaimer: This calculator provides estimates only. Actual loan terms, rates, and approval are subject to lender underwriting, SBA guidelines, and credit review. GoSBA loan brokers can optimize your deal structure and connect you with the most competitive lenders.
Evaluate your SBA loan deal qualification with our professional-grade prequal workbook calculator.
