Annual cash-flow bridge
Not lender global DSCR. Excludes personal debts, taxes and household cash needs.
Sources & uses
Main Bank/SBA Loan is the remainder, not a lending commitment. No minimum-equity or SBA eligibility assumption.
01 / assumptions
Build the operating picture
USD · annual figures unless labeled. Leave unknowns blank. Enter an explicit 0 only when confirmed. Pasting $650,000, 650k or 10% is OK — those get cleaned.
Paste a listing card
Pulls asking price and SDE / monthly profit from Flippa or BizBuySell text. Starters are labeled assumptions, not facts. Type your own monthly cash target after applying.
Simple call · not a buy order
Incomplete
0
W-2 Replacement Score / 100
Annual owner cash · pre-taxUnknownAfter replacement, debt & maintenance capex
Monthly owner cash · pre-taxUnknownSame figure, monthly run-rate
Modeled business-only coverageUnknownBefore capex / all modeled debt service
02 / W-2 Replacement Score
How the 100 points break down
Seven plain-English categories. Missing facts count as 0 toward the single score (conservative). A note shows how high the score could go if blanks later score well.
Thresholds & interpretation
Financial quality (20): monthly cash ÷ target — <0.5 = 0, ≥0.5 = 6, ≥1 = 14, ≥1.25 = 20.
Owner independence (25): none = 0, claimed = 10, buyer-verified plan = 25.
Durability (15): largest customer ≤10% = 8 / ≤20% = 5 / ≤30% = 2 / else 0, plus recurring ≥80% = 7 / ≥60% = 4 / ≥30% = 2 / else 0.
Financing & risk (20): coverage <1 = 0, ≥1 = 6, ≥1.25 = 13, ≥1.5 = 20. Debt-free = 20 by convention.
Growth (5): trailing growth ≥10% = 5, ≥5% = 3, ≥0% = 1, <0% = 0.
Personal fit (10): buyer hours ≤5 = 10, ≤10 = 6, ≤20 = 2, >20 = 0.
Exit potential (5): price÷earnings ≤2.5× = 5, ≤3.5× = 3, ≤4.5× = 1, else 0.
Point bands: 0–49 weak, 50–74 mixed, 75–100 promising. Gates always override the band. No score predicts bankability or success.
03 / stress the assumptions
Downside, not just the base case
Debt and other costs held fixed. Earnings are reduced by 10% of their absolute value; this is not a revenue forecast.
| Scenario | Cash / mo. | Cash / year | Coverage |
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04 / next conversation