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A/R Aging Report Guide1031 Exchange GuideLOC GuideSBA 7(a) GuideSBA 504 GuideSection 179 GuideSelling a Business
Setting an Asking PriceUsing a Business BrokerSelling a Business During DivorceSelling a Failing BusinessTransferring Intellectual PropertyPreparing an Online Business for SalePreparing for Sale, Two Years OutSelling a Business QuicklyWriting a Selling MemorandumSelling a Business Step by StepSelling a Business With DebtChanges Worth Making Before Selling30+ Business calculators and analyzers built for business owners, commercial operators, and their Advisers. SBA financing, valuation, tax structure, retirement, real estate -- all in one place.
Platform overview
Free calculators -- no credit card required to start. Sign up for instant access.
Software categories -- SBA, Business Lending, Valuation, Practice Finance, Tax, Retirement, Real Estate, Exit Planning.
To start using exitadviser.com . Built for Advisers and owners, not lead generation.
30+
Business calculators. no credit card required to start.
30yr
Retirement income projection. ROBS, 8 income streams.
Practice
Medical, Dental Finance & Valuation. EBITDA, asset, DCF, comps, SDE.
Tax
Calculate Business Deductions. Entity Tax Estimator, Section 179, Lease vs Loan, 1031 Exchange.
SBA
7 Softwares. SBA 7a + 504 Combo Bank + CDC debenture modeled separately.
The rates that actually price acquisition debt. SBA 7(a) floats over prime, the 504 debenture prices off the ten-year, and conventional lenders quote over SOFR or the corresponding Treasury.
The rate service could not be reached -- The rate service returned no usable series. The figures shown are a reference snapshot for layout and illustration only. Do not quote them, price a loan from them, or present them to a borrower.
Daily observations rolled up to the interval you pick, so short-term noise can be smoothed out or drilled into on the same series.
All tools
Every calculator was built to solve a real problem in a real transaction. Start with the tool that matches your next deal.
Comparison calculator
Enter your borrower profile once and compare all three programs across capital structure, monthly payment, amortization and true cost — with a recommendation built from your DSCR, credit, purpose and down payment.
All three finance the same amount: every program takes a ten percent injection, so the comparison is not quietly handing the 504 a smaller loan. Cost to year 10 is payments made plus the balance still outstanding plus upfront fees, because a 504 amortizes over twenty-five years and a 7(a) over ten — comparing payments alone leaves $539,630 of 504 principal out of the picture. Only the 7(a) is priced on prime; the debenture is fixed at sale and the bank first is conventional. Time value is not applied.
Preview figures are computed from a single illustrative profile rather than typed in, so they move together when an assumption changes. They are not a quote. There is no autoplay: the carousel advances only when you do, because a panel of numbers that slides away mid-read is worse than one that sits still.
SBA
SBA Loan Comparison
7(a) vs 504 vs Conventional. Two-tranche 504 capital stack.
Commercial
Commercial Mortgage Calculator
CRE loan analysis: NOI, cap rate, DSCR, LTV, debt yield.
Equipment
Equipment Loan Calculator
Equipment financing with Section 179 integration and bonus depreciation.
Credit
Business Line of Credit Qualifier
LOC sizing based on revenue, AR, and bank eligibility criteria.
Alternative
Factor Rate Calculator
Merchant cash advance and invoice factoring: true APR, total cost.
Seller
Seller Financing Calculator
Note income, installment sale tax treatment, balloon vs. amortizing.
SBA
SBA 7(a) Loan Calculator
Monthly payment, true APR, DSCR, amortization. SBA guarantee fees, credit scorecard.
SBA
SBA 504 Loan Calculator
Two-tranche 504: bank first and CDC debenture amortized separately, with the 10% injection.
SBA
SBA 7(a) + 504 Combined Calculator
One project financed across both programs. Blended coverage and total exposure.
SBA
SBA Express Calculator
Express rate tiers against standard 7(a), 50% guaranty, and the 36-hour decision window.
SBA
SBA 7(a) Working Capital Pilot
WCP annual fee on the guaranteed portion against the CAPLine upfront fee, with break-even.
SBA
SBA CAPLine Calculator
Borrowing base against receivables and inventory, advance rates and the revolving structure.
SBA
SBA Form 413 Personal Financial Statement
SOP 50 10 8 recovery values, the 25% equity test, and collateral shortfall coverage.
Credit
Business Credit vs Loan
Revolving business credit against a term loan: true cost, flexibility and coverage.
Earnout
Earnout Structure Builder
Model earnout milestones, present value, and probability-weighted outcomes.
Startup
Startup Valuation Calculator
Berkus, scorecard, VC methods. Pre-money, post-money, dilution.
Planning
Business Succession Planner
Exit readiness, EV bridge, successor planning, tax strategy, timeline.
Equipment
Section 179 Calculator
Section 179 expensing, bonus depreciation, after-tax equipment cost.
Real Estate
1031 Exchange Calculator
Deferred gain, replacement property, boot, timeline, and tax savings.
Entity
Entity Tax Calculator
S-corp, C-corp, LLC and sole proprietor compared on total tax at the same profit.
Deal
Earnout Structure Builder
Model milestone payments, PV of earnout, probability weighting.
Business Owner
Business Owner Retirement Planner
8 income streams: business, seller note, K-1, accounts, SS, pension, RE. 30yr.
Exit
Business Succession Planner
Exit readiness score, retirement gap analysis, income replacement.
Equity
HELOC Calculator
HELOC qualification, draw/repayment, DTI analysis, 7 output sections.
Net Worth
Net Worth Calculator
Personal balance sheet across business equity, real estate, accounts and liabilities.
Investing
Investment Compounding Calculator
Contribution schedule, compounding frequency and real return after inflation.
Commercial
Commercial Mortgage Calculator
NOI, cap rate, DSCR, LTV, debt yield, amortization. IO and balloon options.
Tax
1031 Exchange Calculator
Like-kind exchange: boot calculation, deferred gain, replacement property sizing.
HELOC
HELOC Calculator
Home equity line: draw period, repayment, DTI, eligibility.
Seller
Seller Financing Calculator
Carry-back note: income, tax, balloon, installment sale treatment.
Residential
Home Mortgage Calculator
Amortization, PMI, taxes and insurance, and the true monthly cost of ownership.
Medical
Medical Practice Finance & Valuation
Production, payer mix, owner compensation against a market wage, SDE and adjusted EBITDA.
Dental
Dental Practice Finance & Valuation
Chair utilization, hygiene mix, associate leverage, normalized earnings and transition value.
Orthodontic
Orthodontic Practice Finance & Valuation
Case starts, contract receivables, down payments and installments, retention revenue.
Optometry
Optometry Practice Finance & Valuation
Exam revenue against optical dispensing, frame margin, and the owner-doctor wage adjustment.
Veterinary
Veterinary Practice Finance & Valuation
Visit volume, ACT, associate productivity, consolidator comparison and entity tax treatment.
RIA
RIA Practice Finance & Valuation
AUM, book demographics, client concentration, payout grid and heir retention.
CPA
CPA Firm Finance & Valuation
Recurring compliance against advisory revenue, realization, and partner compensation.
Legal
Law Practice Finance & Valuation
Matter mix, contingency versus hourly, work in progress and originating-partner risk.
SaaS
SaaS Software Finance & Valuation
ARR, gross and net revenue retention, churn, CAC payback and the Rule of 40.
HVAC
HVAC Services Finance & Valuation
Service agreements against replacement work, truck roll economics, seasonality and backlog.
Restaurant
Restaurant Finance & Valuation
Prime cost, cover counts, occupancy ratio, and the equipment and leasehold base.
Manufacturing
US Manufacturing Finance & Valuation
Equipment ladder, working capital cycle, two-tranche 504 for plant and heavy line.
ExitAdviser is a calculation tool, not a data business. Every calculator runs in your browser, authentication happens on your device, and we do not sell your information to anyone. Below is exactly what that means in practice.
Nothing you enter into a calculator is transmitted to our servers unless you explicitly choose to save a session to your account. If you use a calculator without saving, we never receive your revenue, EBITDA, loan terms, valuation inputs, or any other figure you entered.
Closing the tab on an unsaved session discards the data entirely. It is not recoverable by us because it was never sent to us.
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Deleting your account removes your email, your saved sessions, and the calculation inputs attached to them. Deletion is permanent and is not recoverable afterwards -- so export anything you want to keep first.
Most of the finance calculators are free and there are no usage limits. There are additional tools that require sign up and certain comprehensive valuation softwares that are paid or subscription based.
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