SBA 7(a) Loan Guide & Reference
Everything you need to understand SBA 7(a) financing: how the calculator works, what every input means, how DSCR is computed, how SBA guarantee fees affect your APR, and how to read a rate quote from a lender.
Max SBA loan
$5M
Standard 7(a) program
SBA guarantee
85/75%
Loans under/over $150K
Max term
25yr
Real estate collateral
SBA 504 Two-Tranche Guide & Reference
The SBA 504 is always two loans. This guide explains the bank first lien vs. the CDC debenture, how rates are set, how the two amortization schedules interact, and what CDC fees are rolled into the debenture.
Business Line of Credit Guide & Calculator Reference
How banks size and approve business lines of credit, what drives eligibility, how a LOC fits alongside term debt in your capital stack, and how to read the qualifier output.
Income-Based Valuation Guide & Reference
The income approach values a business on what it earns. This guide covers Cap Earnings, DCF, and Excess Earnings (IRS Rev. Rul. 68-609) -- how to normalize earnings, choose a discount rate, and reconcile three methods into one value.
Asset-Based Valuation Guide & Reference
Book NAV, Adjusted NAV, Orderly Liquidation, Forced Sale -- and the after-tax proceeds waterfall a seller actually cares about. Covers all 21 asset categories and 16 liability items in the calculator.
Section 179 Deduction Guide & Calculator Reference
Deduct the full cost of qualifying equipment and software in year one instead of depreciating over 5-7 years. How the deduction limit works, how bonus depreciation stacks, and how to combine 179 with equipment financing for day-one cash flow.
1031 Like-Kind Exchange Guide & Reference
Defer capital gains indefinitely when selling investment real estate. The 45/180-day timeline, how boot triggers tax, depreciation recapture, and how a perpetual exchange strategy compounds wealth tax-deferred.