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Built on 100+ years of combined acquisition experience

Analyze Any Business Deal in 60 Seconds

Paste a BizBuySell URL or enter deal numbers. Get instant DSCR, DCR, cash flow analysis, and Bulletproof scoring — 60% above bank minimums ?Banks approve loans at just 1.25x debt coverage. That means one slow quarter — one key employee leaving, one equipment failure — and you can't make the payment. Our 2.0x standard gives you a real safety net.. Free. No login.

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100+ Years Combined Experience
5 Bulletproof Criteria
60% Above Bank Minimums ?A bank-approved deal can still fail within 12 months. Banks only check if the loan qualifies — not if the business can survive real-world problems. Our criteria add a 60% safety margin on top of what banks require.
80/10/10 Deal Structure
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CIM Analyzer
Upload a CIM PDF. AI extracts financials, flags risks, and scores it against all 5 Bulletproof criteria.
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Our AI extracts financials, identifies red flags, models the 80/10/10 structure, and scores against all 5 Bulletproof criteria. In 60 seconds.

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The Bulletproof Standard

5 criteria. 60% above bank minimums ?"Bank approved" does not mean safe. Banks approve deals that barely cover the loan payment. One bad month and you default. Our criteria require enough margin to survive the unexpected.. If a deal fails any one, we walk.

2.0x+
DCR
Debt Coverage ?At the bank minimum of 1.25x, your business earns just $1.25 for every $1 of debt. A 20% revenue dip means you can't pay. At 2.0x, you can lose 25% of revenue and still cover every payment.
Bank min: 1.25x
2.0x+
DSCR
Debt Service ?DSCR tells you how much breathing room you have after loan payments. At the bank's 1.25x, there's almost no cushion. At 2.0x, the business generates $2 for every $1 owed — enough to handle surprises.
Bank min: 1.25x
≤3.0x
Multiple
Price / EBITDA ?A 3x multiple means you pay 3 years of earnings for the business. Higher multiples = longer to recoup your investment and less room for error. Many brokers push 4-5x — that's a recipe for negative cash flow.
Others: "market rate"
$100K+
Cash Flow
Annual Owner ?After all loan payments, you need at least $100K/year. Below that, you traded a salary for a more stressful salary — with $500K+ of personal risk attached. The deal should improve your life, not just change it.
Others: no minimum
3 Mo
Working Capital
Reserve ?Most buyers forget this entirely. Without 3 months of operating cash, one slow season or one late-paying client can shut you down. This is the #1 reason new owners fail in their first year.
Others: not checked

Frequently Asked Questions

What is a good DSCR for an SBA loan? ▼
Banks require a minimum 1.25x DSCR, but the Bulletproof standard is 2.0x or higher — 60% above bank minimums. A 2.0x DSCR means the business generates $2 of cash flow for every $1 of loan payment, giving you a real margin of safety.
How much do I need to put down? ▼
A typical SBA acquisition uses an 80/10/10 structure: 80% SBA loan, 10% seller financing, and 10% buyer down payment. You can acquire a profitable business with as little as 10% down.
What is a Debt Service Coverage Ratio? ▼
DSCR measures cash flow relative to total loan payments. It's calculated by dividing net operating income by annual debt service. Higher is safer. The Bulletproof standard requires 2.0x minimum.
How do I evaluate a business for sale? ▼
Start with five key metrics: DCR (2.0x+), DSCR (2.0x+), acquisition multiple (≤3.0x EBITDA), annual owner cash flow ($100K+), and working capital reserves (3+ months). These criteria were developed over 100+ years of combined acquisition experience.
What is a CIM? ▼
A Confidential Information Memorandum is the detailed document provided by a seller or broker containing business overview, historical financials, and key metrics. Our AI-powered CIM Analyzer extracts and analyzes this data in 60 seconds.
What is the 80/10/10 deal structure? ▼
80% SBA 7(a) loan, 10% seller financing (seller carries a note), 10% buyer down payment. This protects both parties and keeps the seller invested in a smooth transition.