Conservative
20% down · 10y term · 11.5%
Equity required$120,000
Loan amount$480,000
Monthly payment$6,749
Annual debt service$80,983
Loan should service
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Pre-filled from listing: Extremely Successful Full Service Spa
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Pre-filled from listing: Extremely Successful Full Service Spa
Valuation metrics
Graded against Beauty & Personal Care 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
—
0.6x median
EV / SDE
2.11x
3.5x median
EBITDA Margin
—
20% healthy
DSCR (base)
3.25x
1.25x lender min
Annual Debt Svc
$87,438
base scenario
Yr1 Owner Cash
$196,823
SDE minus debt svc
Cash-on-Cash
328.0%
15% = pos
Business quality
Three scenarios
20% down · 10y term · 11.5%
Loan should service
Realistic case
10% down · 10y term · 10.5%
Loan should service
10% down · 25y term · 10%
Loan should service
Deal structure
Equity return projections
MOIC
18.54x
Actual IRR
79.3%
Above targetRequired exit multiple to hit 20% IRR
1.3x
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.