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Business acquisition
calculator.
Estimate your upfront cash and monthly loan payments. Adjust the purchase price, financing and operating cushion.
By Venturu · Updated November 4, 2026
Build your acquisition budget
These are example numbers to help you get started. Replace them with your own figures. Changing the currency changes the label, not the amounts.
Loan terms and seller financing
Each monthly payment pays back some of the amount borrowed (the principal), plus interest. This estimate uses a fixed interest rate for the whole loan. Change the example terms to match the loan you are discussing.
The yearly loan interest rate, not an APR that includes fees.
The number of monthly payments. For example, 120 months is 10 years.
Seller financing means paying part of the price to the seller over time. It needs the seller’s agreement and your lender may have conditions.
Your estimated cash needed
$120,000
USD · Your part of the purchase and costs, plus cash to keep the business running, after the funding you entered.
Initial monthly loan payments
$3,171.62
The monthly total at the start, while both loans are active. This does not include running costs or a final balloon payment.
Lender assumption: 10% annually over 120 months.
- Total project cost
- $360,000
- Lender payment / month
- $3,171.62
- Interest over both loan terms
- $140,594.12
If the lender rate were 2 percentage points higher for the whole term, combined initial payments would be $3,443.30/month. This is a sensitivity check, not a rate forecast.
How the project is funded
- Your cash
- $120,000
- Lender finance
- $240,000
- Seller financing
- $0
- Partner equity
- $0
A planning estimate for conversations with your advisers, not a loan offer or an approval check. It assumes funds are available when you take ownership and rates stay fixed. Include applicable taxes and fees in your costs. Investor returns are not calculated.
The price is only the beginning.
Buying a business means funding the transaction and keeping the operation running. Add professional fees, closing costs, additional working capital and a reserve to the purchase price. Include only working capital that is not already included in your agreed price.
How your cash is calculated
Purchase price + costs + additional working capital + reserve − lender finance − seller financing − partner equity = your cash contribution.
The starting example is a 300,000 purchase with 60,000 in costs and operating cash. A 240,000 lender loan leaves 120,000 to fund yourself. These figures illustrate the method, not a required deposit or an available lending package.
Understand what the payments include.
A regular loan payment repays part of the amount borrowed, called the principal, plus interest. This calculator uses equal monthly payments over the time you enter. At zero interest, it divides the amount borrowed equally across the months.
With an interest-only seller loan, monthly payments cover interest, and you still owe the amount borrowed at the end. That larger final payment is a balloon payment. We show it separately so it is part of your plan. The monthly total changes when one loan ends.
Use the loan interest rate, not APR, which can also include fees. Add fees you will pay to the costs field. We assume the money is available when you take ownership, rates stay fixed and payments start a month later. Paused payments, interest added to the loan, changing rates, earn-outs and replacement loans need a separate calculation.
Before you rely on a scenario
Does this tell me how much I can borrow?
No. It estimates a scenario using the funding amounts you enter. Lenders review the business, your contribution, repayment capacity, security and their own requirements. A positive cash balance does not mean a loan will be approved.
Can I use this as an SBA acquisition loan calculator?
You can enter a proposed SBA-backed loan’s amount, rate and term, but this is not an SBA eligibility or policy calculator. SBA programs apply to the United States, and permitted uses, contributions, guarantees and seller-note treatment require confirmation with the lender. There is no automatic SBA down-payment assumption here.
Does a lower monthly payment mean I can afford the business?
Not on its own. Taking longer to repay can lower each payment but increase the total interest. Ask your accountant whether the business will have enough cash left after bills, taxes, upkeep and paying you for your work. Lenders may look at debt service coverage too. This tool does not decide whether the price is fair or the business can afford the borrowing.
What should I confirm with my advisers?
Ask which transaction costs and working capital are covered by the loan, when funds become available, which conditions remain and how the seller note interacts with other debt. Confirm taxes, security, required equity and the handover budget for your country and purchase structure.
Sources and next steps
General educational estimates. Actual financing terms depend on the lender, transaction and jurisdiction. Source guidance checked November 4, 2026: