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Illustrative SBA payment and DSCR
Numbers stay in your browser. This is a payment sketch, not a lender quote.
Methodology
Monthly payment is a standard amortizing payment from principal, annual rate, and term. Annual debt service is twelve payments. DSCR is annual cash flow (SDE or EBITDA you type) divided by annual debt service. SBA 7(a) can finance a change of ownership with a published maximum of $5 million. This sketch does not apply guarantee fees, seasonal payment structures, or a lender’s floor.
Numbers never leave the browser. There is no account, no save, and no data collection. Outputs are educational sketches for a conversation with Jason Taken — not appraisals, not lender quotes, and not offers.
3.38 average earnings multiple on grocery/supermarket businesses sold on BizBuySell in 2025. SBA 7(a) can finance a change of ownership; the published maximum is $5 million. USDA FNS: SNAP authorization does not transfer; the new owner files a new application. 2.1% average net profit for food retailers in 2025 (FMI Speaks sample).
Read SDE, inventory at cost, DSCR, and how to value a grocery store.
| Topic | Grocery reading | Link |
|---|---|---|
| Earnings | Recast SDE or EBITDA | SDE |
| Stockroom | Inventory at cost | inventory |
| EBT | New owner application | SNAP |
| Debt | DSCR on the recast | DSCR |
Illustrative, not a quote. For a SBA 7(a) Payment & DSCR Calculator, recast SDE of $363,937 at 1.65×–3.23× plus $129,845 inventory at cost frames a going-concern band of about $730,341 to $1,305,362. The 2.60× midpoint lands near $1,076,081. Lease remaining term and license lag can move the check more than the multiple.
Checklist: SBA 7(a) Payment & DSCR Calculator
- Recast the P&L into SDE
- Separate inventory at cost
- Abstract the lease
- List SNAP, alcohol, food, WIC, tobacco
- Read the wholesaler agreement
- Write license conditions into the LOI
Illustrative, not a quote. Keep the conversation on SBA 7(a) Payment & DSCR Calculator, scan data, and license clocks — not on a neighbor’s rumor multiple.
Bulk-sale or successor-liability practice can still exist after UCC Article 6 died.
WARN and union contracts are calendar items on larger headcount files.
Revenue multiples hide rent and labor. Use them to sanity-check, then return to SDE. See also SDE, inventory at cost, shrink, SNAP authorization.
Earn-outs on grocery are hard because the buyer controls mix after Monday.
Distressed stores still have inventory and a lease. Price those, not a turnaround novel.
Department gross margin hides in a storewide blend. Meat and produce can sink a “healthy” number.
CAM true-ups can erase a year of “extra” SDE. See also turns, DSD, wholesaler, asset sale.
Alcohol is a class, a quota, or a control store — never “the liquor license” as one magical asset.
Employees learn from vendors and shoppers. Confidentiality is a process, not a speech.
BizBuySell multiples are a listing-site sold sample, not chain M&A.
Holdbacks exist because grocery has shrink and successor tax risk.
Post-close, the first 90 days are vendor trust, shrink, and not changing the mix for sport.
Read seller hub, buyer hub, valuation pillar. Cross-check how a sale works and the FAQ. Format pages live under sell an independent supermarket and buy an independent supermarket. Tools: valuation calculator, cash-to-close, rent checker.
CAM true-ups can erase a year of “extra” SDE.
Employees learn from vendors and shoppers. Confidentiality is a process, not a speech. See also lease diligence, liquor transfer, recasting a P&L.
Sales-tax filings are a sales corroboration tool, especially where food is taxed or partially taxed. See also turns, DSD, wholesaler, asset sale.
Assignment, exclusive use, and co-tenancy are the three clauses that surprise civilians.
Tobacco licenses sit with tax and health agencies, not with the APA automatically.
Non-competes have to be enforceable in the state and narrow enough to keep. See also turns, DSD, wholesaler, asset sale.
FMI channel facts describe a supermarket sample. Your 8,000 square foot box is not that sample.
FIFO versus a messy room is how you start a fight at 2 a.m.
APA schedules are where the real store lives: contracts, equipment, excluded assets.
EBT deposits should reconcile to the SNAP story. A gap is either mix, downtime, or fiction. See also lease diligence, liquor transfer, recasting a P&L.
Lease remaining term under 24 months without options is a price cut, not a footnote.
Lottery contracts are often personal. Confirm before you count commission as durable.
Transition hours are a close condition. Write them.
How a buyer would price SBA 7(a) Payment & DSCR Calculator
These figures are a teaching walk-through for SBA 7(a) Payment & DSCR Calculator, not a quote and not a sold comp. Order of operations: weekly sales, recast SDE, inventory at cost, then a multiple band. The calculator above is the same formula. Change the inputs; do not treat the preset as a listing.
| Input or output | Illustrative figure |
|---|---|
| Weekly sales (illustrative) | $92,000 |
| Annual sales | $4,784,000 |
| Recast SDE | $172,224 (3.6% of sales) |
| Inventory at cost | $299,000 (~16 turns) |
| Occupancy check | $148,304 / year (3.1% of sales) |
| Low going-concern | $643,448 at 2.00x SDE + inventory |
| High going-concern | $764,005 at 2.70x SDE + inventory |
| Sketch DSCR on a note | 1.38 |
If weekly sales or shrink move 8 percent, the SDE and the note move with them. That is why Jason Taken starts with scan data and the lease, not with a neighbor's rumor multiple.
Book the intro call with your side of the table ready: seller files or buyer capital. The calendar is the only next step.