Loan calculatorsWhat would this purchase require?
Explore the cash required, the payments ahead and the assumptions that change the picture.
Your assumptions
Start with your figures. Samples are shown below.
Transaction costs Modeled in the loan
Separate allowances make the full project visible. Replace samples with estimates or quotes.
SBA guaranty fee
The reserve scales with bank borrowing before this fee. The lender confirms the actual fee. Replace the reserve with a lender-confirmed amount when available.
Cost eligibility and reimbursement timing require lender review; some amounts may be paid before closing.
Other project uses
Seller notes
Standby defers payments; it does not cancel debt. If selected, simple interest accrues on original principal and is capitalized when repayment starts. Neither note is automatically treated as equity. Confirm lender acceptance and note terms with your lender and counsel.
Cash available and business cash flow
Compare another financing offer
Test a higher starting rate
A higher constant-rate scenario, not a prediction of a reset.
Private to this tab. Figures stay while you switch calculators; reloading or leaving the loan calculators clears them. Nothing is sent to AWG.
Your results
A funding plan for lender review.
Illustrative inputsBuyer cash required
$200,000
Contribution + cash-paid transaction costs
Transaction costs: $77,300 modeled in the loan
Initial monthly debt service
$18,792
First-month bank and seller payments
Modeled bank loan
$1,452,300
9.5% over 10 years
Loan and cost details
- Legal, diligence and bank costs (planning)
- Legal $15,000; diligence $10,000; bank $10,000
- Guaranty fee allowance
- $42,300 planning reserve; lender confirmation needed
- Transaction costs
- $77,300 modeled in the loan
- Purchase and project uses
- Purchase $1,500,000; working capital $75,000
- Funding / project uses
- $1,652,300 / $1,652,300
This is not an approval. Cash timing and the ability to carry all bank and seller debt need lender review.
Sources and uses
| Use | Amount |
|---|---|
| Business purchase | $1,500,000 |
| Additional working capital | $75,000 |
| Legal counsel | $15,000 |
| Financial due diligence | $10,000 |
| Bank closing costs | $10,000 |
| SBA guaranty fee reserve | $42,300 |
| Total project uses | $1,652,300 |
| Source | Amount |
|---|---|
| Buyer cash | $200,000 |
| Bank loan | $1,452,300 |
| Total funding | $1,652,300 |
Cost eligibility and cash timing need lender review. Any guaranty reserve is your allowance, not the official fee calculation.
Compare bank debt over time
Bank principal remaining and interest paid
View chart data
| Date | Bank loan balance | Cumulative bank interest |
|---|---|---|
| Today | $1,452,300 | $0 |
| Year 1 | $1,360,846 | $134,054 |
| Year 2 | $1,260,314 | $259,032 |
| Year 3 | $1,149,806 | $374,033 |
| Year 4 | $1,028,330 | $478,065 |
| Year 5 | $894,797 | $570,042 |
| Year 6 | $748,012 | $648,765 |
| Year 7 | $586,659 | $712,921 |
| Year 8 | $409,291 | $761,063 |
| Year 9 | $214,321 | $791,601 |
| Year 10 | $0 | $802,789 |
| Measure | Your scenario |
|---|---|
| First-month debt service | $18,792 |
| Bank debt remaining at year 5 | $894,797 |
| Bank interest paid over 5 years | $570,042 |
| Full-term bank interest | $802,789 |
What still needs review
Closing depends on the credit case, structure and lender fit—not the rate alone.
- Business cash flow
- Not provided
- Legal, diligence and bank costs
- Planning allowances
- SBA guaranty fee
- Planning reserve; lender confirmation needed
- Cash timing and lender fit
- Require transaction review
Delays, sunk costs and a lost purchase opportunity are deal-specific. This tool does not price a probability of closing. AWG reviews the financing risks behind the plan.
Assumptions and limitations
AWG is an SBA financing advisor and placement firm, not a lender. Financing is subject to eligibility, lender underwriting and approval. These figures are illustrative, not an offer or approval.
- All rates and fees are your assumptions. No current rate feed, SBA fee schedule or automatic eligibility decision is used.
- Loans use constant rates, monthly amortization and end-of-month payments. Lender day counts, rounding and payment dates can differ. Calculations retain full precision; displays use whole dollars and CSV schedules use cents. Summing rounded rows can differ from model totals.
- Unknown costs are excluded, visibly marked incomplete and identified in reports and exports. Known costs remain included. Financed costs increase principal and are not also deducted as cash paid at closing.
- Refinance compares the same starting debt, payments and debt remaining at the same date. Lower payments can increase full-term cost.
- Property results include a hypothetical sale with selling costs and debt payoff. Taxes, lease deposits and fit-out differences are excluded.
- Only the labeled acquisition comparison models interest-tax effects. It assumes a fully usable same-period deduction; principal and fee deductions are excluded. Other results are pre-tax.
- Seller notes remain separate debts, with entered standby, accrual, amortization and maturity assumptions. Their terms and equity treatment require lender and legal review. Bank balloons, variable-rate resets and complex multi-loan structures are excluded.
- Inputs remain in this tab’s memory while you switch calculators. Reloading or leaving the loan calculators clears them. They are not submitted, stored in your browser or attached to an inquiry. A download stays under your control.
Questions, answeredRead the assumptions.
How does a seller-note balloon differ from amortization?
Amortization sets the regular payment. Maturity sets when the debt must be repaid. A seller note amortized over 120 months but maturing after 60 months has a remaining balance due with its month-60 payment. The balloon month is measured from closing and must fall after any standby. Standby delays payments; it does not automatically extend the entered maturity.
Does full standby make seller financing qualifying equity?
This tool does not make that determination. It models the entered seller debt, payments and interest assumptions. The transaction, current program requirements, lender acceptance and signed standby agreements determine its treatment.
Is the SBA guaranty-fee reserve the actual fee?
No. It is an editable budgeting reserve based on the modeled loan before that reserve, or a dollar amount you enter. It is not the official SBA fee formula. Replace it with a lender-confirmed amount; unknown costs remain excluded and visibly incomplete.
What does the interest-tax comparison include?
Only the modeled bank interest. The editable tax assumption starts at 35% and assumes the full deduction can be used in the same period. It does not adjust lender payments, deduct principal or fees, or calculate after-tax APR or total transaction savings. Confirm the applicable treatment with your tax advisor.