Calculator
Acquisition sources and uses calculator
Estimates only. Educational only; not legal, tax or financial advice. No guarantee of savings or approval.
Uses
Sources
Funding gap
$40,000
Equity as % of total uses
10.0%
Equity requirements vary by lender and program. Confirm current SBA requirements with a lender.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a financing specialistThe formulas
Total uses = purchase price + closing costs + working capital
Total sources = equity + SBA or bank loan + seller note
Funding gap = total uses − total sources
Equity % = equity ÷ total uses
Worked example (illustrative numbers)
- Uses: price $1,000,000 + closing $40,000 + working capital $60,000 = $1,100,000 (illustrative)
- Sources: equity $110,000 + loan $850,000 + seller note $100,000 = $1,060,000
- Funding gap = $1,100,000 − $1,060,000 = $40,000
- Equity % = $110,000 ÷ $1,100,000 = 10.0%
Key takeaways
Common questions
What are sources and uses?
A table showing every cost of a deal (uses) and every funding source (sources). They must balance at closing.
How much equity do I need?
It depends on the lender and program. SBA lenders typically require a minimum equity injection on acquisitions; confirm current requirements with a lender.
Can a seller note count as equity?
Under some SBA rules, part of a seller note on full standby can count toward the equity injection. Confirm current requirements with a lender.
What goes in closing costs?
Loan fees, guarantee fees, legal, valuation, appraisal and other transaction costs.
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