Conservative
20% down · 10y term · 11.5%
Equity required$95,000
Loan amount$380,000
Monthly payment$5,343
Annual debt service$64,112
Loan should service
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Pre-filled from listing: Tropical Smoothie Cafe In State College, PA
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Pre-filled from listing: Tropical Smoothie Cafe In State College, PA
Valuation metrics
Graded against Food & Beverage benchmarks (Restaurants, catering, food production; IBBA Market Pulse Q4 2024). Green = at or below median, yellow = median to high, red = above high range.
EV / EBITDA
—
4.0x median
EV / Revenue
—
0.5x median
EV / SDE
1.19x
3.0x median
EBITDA Margin
—
18% healthy
DSCR (base)
5.78x
1.25x lender min
Annual Debt Svc
$69,222
base scenario
Yr1 Owner Cash
$330,778
SDE minus debt svc
Cash-on-Cash
696.4%
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
37.34x
Actual IRR
106.3%
Above targetRequired exit multiple to hit 20% IRR
0.8x
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.