SSearcherSignal

Debt-Service Snapshot

Pressure-test DSCR before the next broker call.

Estimate whether debt service might work before the search fund spends hours on a target. The output is a screening estimate and a lender question list, not lending advice.

Calculator

Screen the capital stack.

Use conservative assumptions first. A weak screen should become a better lender question, not a hidden surprise after a letter of intent.

Deal assumptions
Financing assumptions

Debt-Service Snapshot

Preview screen

Project cost$1,975,000
Buyer equity$180,000
Estimated loan$1,615,000
Annual debt service$261,504
Base DSCR1.72x
Downside DSCR1.38x

Screening read

The base and downside screens are directionally workable, but lender review should still focus on verified add-backs, buyer liquidity, and working-capital assumptions.

Lender questions to review

  • Which add-backs are verified and recurring?
  • What normalized working capital is required at close?
  • How much liquidity remains after buyer equity injection?
  • Does seller-note treatment affect SBA structure?
  • What happens to DSCR under a downside earnings case?

This calculator provides screening estimates only. It is not lending, legal, tax, investment, or valuation advice.

Next step

Use the same assumptions in a target screen so debt service, cash-flow pressure, risks, source confidence, and the broker questions to ask next stay connected.

See a Sample Signal