Most buyers underestimate their true cash need by 30-40% because they only think about the down payment. This calculator breaks down the full picture — down payment, closing costs, working capital, personal runway, and a post-close reserve — with a toggle for SBA financing versus seller financing, since the math is genuinely different between the two. Gives a clear green/yellow/red readiness signal based on your actual numbers.
Most buyers underestimate their true cash need by 30-40% because they only think about the down payment. This calculator breaks down the full picture — down payment, closing costs, working capital, personal runway, and a post-close reserve — with a toggle for SBA financing versus seller financing, since the math is genuinely different between the two. Gives a clear green/yellow/red readiness signal based on your actual numbers.