Own It · Monet Business Simulator

Is that offer actually worth it?

Put your offer, the earnings and the financing in one place and see what is left after the debt, your pay and the capex. Basic simulations are free. Educational only — not an appraisal, a lending decision, or advice.

The deal

Your offer price ($)SDE / EBITDA (seller's number) ($)Your pay or a manager's pay ($)Cash down (%)Seller note (%)Bank / SBA rate (%)Bank / SBA term (yrs)Seller note rate (%)Seller note term (yrs)Working capital at close ($)Annual maintenance capex ($)Assumed annual growth (%)Blended tax rate (%)

Verdict at these inputs

Workable on these numbers

Coverage and cash cushion both look reasonable at these assumptions. Diligence is what turns assumptions into facts.

Price multiple

3.00x

Debt coverage (DSCR)

1.58x

Cash needed at close

$180,000

Annual debt service

$183,959

Cash flow after debt & tax

$79,531

Cash-on-cash return

44.2%

Payback on your cash

2.3 years

Earnings cushion

27%

What Monet would flag

Nothing structural jumps out at these inputs. Verify the earnings in diligence before you trust them.

Ask Monet about this deal Get introduced to a lender or CPA

Checking your access…

Educational guidance, not personal advice. Outputs are illustrative, may contain errors, and should be independently verified before material decisions.

Go further

Unlock every calculator, checklist and saved plan.

Asking Money questions is always free. Membership opens the whole toolkit across all four pillars — or unlock a single tool for $3.38.

See memberships

Get connected

Need a lender, CPA, attorney or broker?

Tell us what you need and we will send an introduction request to the right person in our network.

Request an introduction

Give It

Every dollar here helps a student stay in school.

Net proceeds from Let Money Grow are intended to support Hariom Helps Foundation. You can also give directly, right from this site.

Donate now