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.
Screening businesses for W-2 replacement cash flow — Own it. Don’t operate it.
Blank worksheet. All entries are self-reported; no independent verification.
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.
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.
Not lender global DSCR. Excludes personal debts, taxes and household cash needs.
Main Bank/SBA Loan is the remainder, not a lending commitment. No minimum-equity or SBA eligibility assumption.
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.
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.
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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