Acquisition Power Calculator
Find out how much business you can acquire using SBA 7A financing. Answer a few quick questions about your finances and we'll calculate your acquisition range in under two minutes.
How much cash do you have available?
Include checking, savings, and money market accounts
Any retirement accounts?
401(k), IRA, Roth IRA — these can be used for acquisitions via ROBS
Stocks or brokerage accounts?
Publicly traded stocks, ETFs, mutual funds
Do you own real estate?
Primary residence, investment properties
Any outstanding debts?
Excluding mortgage (already entered)
Your Acquisition Snapshot
| Weighted Net Worth | — |
| Liquid Net Worth | — |
| Enterprise Value Range | — |
| Your Tier | — |
Your liquid net worth is currently below the $70,000 threshold for SBA 7A financing. But that doesn't mean you can't acquire a business.
Your options:
- Unsecured business lending for smaller acquisitions
- Build your liquid position and revisit SBA in 6-12 months
- Explore creative deal structures with lower equity requirements
Regalis Capital can help you find the right path regardless of where you are today.
Your Full Results
Cash Flow Projections
| Scenario | Estimated Annual Cash Flow |
|---|---|
| Owner-Operator (high) | — |
| Owner-Operator (low) | — |
| Absentee Owner (high) | — |
| Absentee Owner (low) | — |
Equity Injection Breakdown
SBA 7A loans require a 10% equity injection — not a down payment. This is structured as:
| Total Equity Injection (10%) | — |
| 5% Buyer Cash | — |
| 5% Seller Note on Standby | — |
Ready to find a business in your acquisition range? Regalis Capital helps you source, vet, and close deals from $100K to $5M+.
Speak To The TeamFrequently Asked Questions
How much do I need to buy a business with SBA financing?
SBA 7A loans require a 10% equity injection, structured as 5% buyer cash and 5% seller note on standby. For example, to acquire a $1M business you would need roughly $50,000 in cash plus a $50,000 seller note. Your liquid net worth determines the maximum enterprise value you can target.
What is the difference between net worth and liquid net worth for SBA loans?
Weighted net worth includes all assets (cash, retirement, stocks, real estate, HELOC) adjusted by liquidity weights minus all liabilities. Liquid net worth excludes real estate and mortgage balances entirely, unless your real estate equity is negative, in which case that negative amount reduces your liquid position. SBA lenders focus on liquid net worth to assess your ability to fund the equity injection.
What is the minimum equity injection for an SBA 7A loan?
The standard SBA 7A equity injection is 10% of the total project cost. This is NOT a down payment. It is structured as 5% buyer cash injection plus 5% seller note on standby. The seller note portion sits on standby for 24 months, meaning no payments are made on it during that period.
Can I use retirement funds to buy a business?
Yes. Retirement funds (401k, IRA) can contribute to your acquisition power. Through structures like ROBS (Rollover for Business Startups), you can use retirement funds as part of your equity injection without early withdrawal penalties. Our calculator weights retirement accounts at 90% of face value to account for accessibility factors.
What happens if I don't qualify for SBA financing?
If your liquid net worth is below $70,000, SBA 7A financing becomes difficult to qualify for. However, there are alternative paths including unsecured business lending, smaller acquisitions, or building your liquid position over time. Regalis Capital can help you explore the best path based on your specific financial profile.
Note: All calculations are estimates based on general SBA 7A acquisition math. Actual deal terms, lending requirements, and cash flow vary by business, market conditions, and lender. This calculator is informational only and does not constitute financial advice. Consult with a qualified advisor before making acquisition decisions.