Before you fall in love with a business listing — run the numbers.
DealGrader tells you if a deal is actually fundable using the same cash flow logic a bank would use. In 2 minutes. Before you talk to anyone.
This tool is for you if:
You're browsing BizBuySell (or off-market deals) and want to know if the numbers actually make sense
You've found something interesting and want a gut-check before calling a broker or lender
You've been told a deal is "fundable" and want to verify that yourself
You don't need to be a finance person. You just need the listing price and the SDE.
Most business listings look great on paper.
Most don't get funded.
Banks don't care about the story — they underwrite based on one thing: whether the business generates enough cash flow to cover its own debt payments.
Most buyers find this out after:
- •Weeks of back-and-forth with sellers and brokers
- •Legal fees and LOI negotiations
- •Awkward calls with lenders who pass
DealGrader tells you in 2 minutes what a bank would tell you in 6 weeks.
Here's what a result looks like.
Example Deal
$850,000 asking price · $120,000 SDE · Landscaping business
| DSCR | 1.02x (minimum: 1.25x) |
| Annual Debt Service | $117,480 |
| Cash Flow After Debt | $2,520/yr |
| Sale Multiple | 7.1x |
Max Offer to Get Funded: $560,000
At this price, DSCR improves to 1.31x — within SBA guidelines.
Your results include a plain-English explanation of each metric.
How It Works
1. Enter the basics
Asking price, SDE, industry, and your background.
2. We run the numbers
Get an underwriting preview using standard SBA assumptions.
3. Get a clear verdict
Green, Yellow, or Red — with plain-English explanations. If the price doesn't work, we'll calculate exactly what offer would.
What You'll See
Fundability Score
Green / Yellow / Red
Debt Service Coverage Ratio
The SBA's main underwriting criteria
Cash Flow After Debt
Annual & Monthly
Purchase Price Multiple
Fair market valuation
Maximum Offer Price
If the deal is Red, we reverse-calculate the exact purchase price needed to pass bank math. "Offer $560K instead of $850K."
No fluff. No hype. Just how lenders actually think.
Run the numbers before you fall in love.
Free. 2 minutes. No spreadsheets, no lender calls, no surprises.
Grade This Deal →