Business · Business loan & seller financing calculator

What will the deal really cost each month?

Split a purchase between cash, a bank loan and seller financing, including a balloon payment.

No email or phone. Inputs stay in this tab. Amounts are USD.

Scenario / listing name

Keep up to three named scenarios, then change the calculator for the next one. Saved comparisons stay in this tab and disappear when you leave. To save a file, choose “Save as PDF” in your browser’s print dialog.

Purchase & bank loan

Price paid to seller ($)

Buyer down payment (%)

Seller-financed share of price (%)

Bank annual interest rate (%)Illustrative, not a live SBA or bank quote.

Bank amortization / payoff (years)

Cash-paid transaction & loan fees ($)

Extra working capital / reserves ($)

Seller note & repayment capacity

Seller annual interest rate (%)

Seller amortization (years)

Seller payoff / balloon at yearSet equal to amortization for no balloon.

Annual cash available for debt service ($)After operating costs, replacement labor and reinvestment; before these loans.

Example result

A lower monthly payment still leaves a balloon

Combined initial monthly payment$4,567

Seller balloon after scheduled payment$51,683

Initial buyer cash$135,000

Annual earnings / regular debt service2.74×

Estimates update as you change the numbers. Review the assumptions below.

See the breakdown

Bank loan: $270,000
Bank monthly payment: $3,568
Seller note: $90,000
Seller monthly payment: $999
Total modeled interest: $179,803
Initial annual cash after regular payments: $95,193
Monthly cash to set aside for balloon (no return): $861
Seller note final-year payments incl. balloon: $63,674

How to read this estimate

Fixed rates and monthly amortization. Seller balloon is due after the regular payment at the end of the chosen year. Interest totals assume both contracts are paid as modeled, with no refinancing, penalties or extra payments.

Coverage uses your cash available for debt service, after operating costs, needed labor and reinvestment. It excludes owner distributions and taxes not already deducted. A lender may use a different definition.

This is not an SBA eligibility check. Seller notes may have standby or subordination requirements. Confirm terms, fees, guarantees and balloon refinancing risk with the lender.

Worked example · fictional, not a real listing

A seller note can move a cost into the future

A fictional $450,000 acquisition uses 20% buyer cash, 60% bank financing and a 20% seller note. The example seller note amortizes over ten years but comes due after five.

What to look for: The monthly payment does not repay the full seller note by year five. Read the balloon balance and the separate reserve needed for it. A manageable monthly payment is not a complete funding plan.

The example figures above stay fixed while you edit your own scenario. Use “Load example” to restore default inputs where available.

Before you commit: your business purchase checklist

0 of 6 reviewed. Check marks stay in this tab; include them in your printed report.

Request three years of tax returns, financial statements and current-year results.Reconcile reported revenue with bank deposits and explain every add-back.Confirm owner hours, replacement labor and key employee retention.Review customer concentration, transferable contracts, leases and licenses.Inventory included assets, working capital, liens and debts that transfer.Obtain written financing terms, seller-note schedule and closing-cost estimates.

Your next steps

Get written loan terms and confirm seller-note restrictions.
Include lender fees, legal costs and working capital in your cash plan.
Plan for the balloon without assuming refinancing will be available.

Sources & assumptions

Linked sources explain the methods and considerations. Example rates, costs and future growth assumptions are editable illustrations, not current market quotes. Reviewed September 7, 2026.

SBA: 7(a) business financing ↗

These tools provide educational estimates. Confirm terms and inputs before making a financial commitment.