Pre-LOI screening for SBA buyers

Find what the listing doesn't say.

Brokers write listings to sell. This reads the deal like the bank does — then goes looking for the regulatory bans, mass-tort litigation, and industry decline that appear in no document the seller will ever hand you.

No asking price? It values the business — three independent methods, cross-checked, plus the ceiling a bank will actually finance
Reads your actual documents — pulls the figures out, scrutinizes every add-back, and flags where the CIM disagrees with the tax returns
Real SBA 7(a) structure: injection, cash at close, debt service, DSCR before and after a market owner salary
Your multiple against the actual category range — and what a cheap multiple is telling you
Live search for pending bans, active litigation, licensing traps, and state-specific exposure
The questions to ask the seller, and an offer structure that protects you

Drop the CIM, P&L, or tax returns here

Optional · PDF or images · up to 6 files · 32MB total

Documents are optional. Type the figures below, upload documents, or both — uploads fill in whatever you leave blank, and anything you type wins.

Asking price No price — value it for me

SDE / cash flow Not disclosed — estimate it

Gross revenue

EBITDA (if that's all they gave)

FF&E (equipment)

Inventory (at cost)

What does the business do? *

Industry

Location

Established

Employees

Reason for selling

Real estate

Rent (monthly)

Lease expires

Anything else from the listing

Assumptions: SBA 7(a), 10-year term, 10.5% rate, 10% equity injection per SOP 50 10 8, 3% closing costs. Takes about 90 seconds — it's doing live research, not autocomplete.

Screening tool for buyers. Not a Quality of Earnings report, not legal, tax, or investment advice. Verify everything before you sign.