Conservative
20% down · 10y term · 11.5%
Equity required$9,980
Loan amount$39,920
Monthly payment$561
Annual debt service$6,735
Below lender threshold
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Deal calculator
Pre-filled from listing: Pak Mail Franchise Available for Only $49,000
Free tool
Pre-filled from listing: Pak Mail Franchise Available for Only $49,000
Valuation metrics
Graded against industry benchmarks (Blended conservative defaults for unclassified industries). Green = at or below median, yellow = median to high, red = above high range.
EV / EBITDA
—
4.5x median
EV / Revenue
0.34x
0.6x median
EV / SDE
9.42x
3.5x median
EBITDA Margin
—
20% healthy
DSCR (base)
0.73x
1.25x lender min
Annual Debt Svc
$7,272
base scenario
Yr1 Owner Cash
-$1,972
SDE minus debt svc
Cash-on-Cash
-39.5%
15% = pos
Business quality
Three scenarios
20% down · 10y term · 11.5%
Below lender threshold
Realistic case
10% down · 10y term · 10.5%
Below lender threshold
10% down · 25y term · 10%
Tight margin
Deal structure
Equity return projections
MOIC
0.00x
Actual IRR
0.0%
Below targetRequired exit multiple to hit 20% IRR
6.0x
What this tells you
DSCR is annual cash flow divided by annual debt service. Lenders want to see at least 1.25x to underwrite the loan comfortably. Below 1.0x means cash flow does not cover the payment.
Rates approximate prime-based variable bank debt as of June 2026. Calculator state is encoded in the URL so any scenario can be shared or bookmarked.
AI underwriting
Streams a 7-section writeup: Verdict, Valuation Assessment, Financing analysis with stress tests, Owner Economics, Key Risks, Negotiation Leverage, and Due Diligence Priorities. Uses available inputs only; missing data is noted, not invented.