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What will this acquisition actually take?

A quick SBA 7(a) model built for how death-care deals really look — real estate usually included, priced off owner's cash flow. No account, nothing saved, just the numbers.

The deal

$
Business plus real estate, if the building's included.
Turns on a blended SBA term — real-estate dollars amortize up to 25 years, which lowers the monthly payment.
10%
SBA 7(a) typically requires at least 10% down.
%
7(a) rates are usually Prime plus a spread and adjust over time. Use your lender's quote.
$
Optional — cash rolled into the loan for transition costs.

The business

$
Seller's discretionary earnings — profit plus owner salary and add-backs. It's what services the loan and pays you.
$
Lenders test debt coverage after paying you a market wage.

Reading the result

Debt-service coverage (DSCR)

Cash flow after your salary, divided by the annual loan payment. SBA lenders generally want to see at least 1.25× — room to cover the debt with margin to spare.

Why real estate helps

When the building is included, a large share of the loan can amortize over 25 years instead of 10 — meaningfully lowering the monthly payment on the same purchase price.

What this leaves out

Preneed trust obligations, deferred maintenance, and transition costs all shape a real death-care deal. Use this to size a deal, then bring your advisors in.

Found a number that works?

See what's on the market with the metrics this profession runs on, or line up the people who help you close.

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