One buyer · one loan programme · SBA 7(a)
Buying a small business is arithmetic before it is instinct.
Deal Navigator takes you from first screen to signed letter of intent. It scores the deal against the lender’s own rules, reads the seller’s documents and cites every figure, shows which lever moves coverage, and drafts the letters. It does not find businesses, arrange financing, or replace your attorney.
Floor 1.15:1 — binding, from the lender’s own rules.
Minimum debt service coverage the lender must document. Every screen is measured against it.
Minimum equity injection on a complete change of ownership, at most half of it a seller note on full standby.
Effective 2025-06-01. Choose the edition per deal; the arithmetic follows it.
The split that matters
Binding numbers and soft numbers never wear the same clothes.
Rules a lender must apply
Coverage floor, equity injection, standby treatment of a seller note, life insurance and appraisal triggers. Cited to the SOP edition and section. These gate the deal — the app will not round them away.
Market averages, shown as averages
One benchmark source, its window stated, suppressed above $2M and flagged below $50k where it is thinly supported. Stale data is marked. Nothing here decides anything — it only frames the ask. Read the sources.
The file
Six stages, one deal, nothing restated.
Itemised SDE, sector, price, structure.
CIM, P&Ls, returns, lease, equipment.
Questions the findings raise.
Levers solved to land on 1.15.
Assemble and export the draft LOI.
Remaining conditions.
The model extracts. It never computes.
Upload the CIM, the P&Ls, the returns and the lease. Every figure it pulls carries a citation — document, page, the sentence it came from, and a confidence. The arithmetic happens here, in code you can check, not inside a language model.
What it will not do
It will not tell you a deal is good. It will not generate a purchase agreement. It will not produce a letter that claims coverage the arithmetic does not support — if you offer above the supported price, the letter says so and conditions the offer on financing. Under SBA SOP 50 10 8.1 the lender may require a Quality of Earnings report. No tool substitutes for one, because the lender mandates it.
Pricing
Test it on one real listing. Then pay for the rest.
- One deal, all six stages
- One document read with citations
- Coverage, supported price, fragility
- Draft LOI and lender packet list
- Unlimited deals and document reads
- Saved financing scenarios, side by side
- Sensitivity grids and post-close runway
- Shareable read-only memos, revocable
- Notes, tasks and a full deal audit trail
The mailing
One note a month: what the lender’s arithmetic actually rejected.
Worked deals, the coverage that failed and the lever that fixed it. No listings, no brokerage, no forwarding of your address.