Most SBA deals die
at underwriting. Yours doesn't have to.
You found a good business. You know the numbers roughly work. But between a CIM and a lender-ready model, most searchers lose 3 days and still get rejected for a capital stack their lender won't touch. Deal14 closes that gap — in one afternoon.
The problem
You're evaluating deals
with the wrong tools.
Every other searcher is cobbling together an Excel model that uses EV-based math instead of TPC-based math — which is exactly how lenders underwrite. They send a messy package. They wait 3 weeks. The deal dies, or someone else moves faster.
From CIM to IOI in one afternoon.
No spreadsheets. No guesswork. A clean, lender-standard model you can present with confidence.
Upload the CIM
Drop in the PDF. AI extracts revenue, EBITDA, and key financials in under 2 minutes.
Run the model
DSCR, capital stack, BRIDGE score computed instantly. Adjust assumptions with sliders.
Structure the deal
Set SBA %, seller note terms, equity injection. See DSCR impact in real time.
Generate the IOI
Professional IOI or LOI ready to send — formatted, complete, lender-ready.
Not one model guessing.
Six analysts + a critic.
Most AI tools send your CIM to a single model and hope for the best. Deal14 runs a coordinated team — each analyst reads the same documents for a different purpose, then a critic reconciles conflicts before a single field is written.
Built for SBA searchers. Nothing else.
Every feature designed around how SBA 7(a) deals actually work — not generic M&A.
DSCR Analysis
Year-by-year DSCR with SBA 1.25× floor enforced. Bear/Base/Bull scenarios. Automatic red flags when close to the edge.
BRIDGE Score
Proprietary SBA approval score across 6 dimensions: Business quality, Returns/DSCR, Income integrity, Deal financials, Growth trajectory, and Execution risk.
TPC Capital Stack
Industry-standard Total Project Cost math. All stack percentages apply to TPC — exactly how SBA lenders underwrite.
AI CIM Extraction
Upload a CIM PDF and let AI extract revenue, EBITDA, margins, and customer concentration directly into your deal model.
IOI / LOI Generator
Professional Indication of Interest or LOI generated from your live model. Multiple structure options, real numbers, ready to send.
Structure Advisor
AI-powered structure recommendations based on your DSCR, BRIDGE score, and buyer cash available. Apply with one click.
Partner Access
Share your live deal model with a co-buyer, attorney, or advisor. They see real numbers, not a PDF. Control view-only or edit access per person.
Deal Timeline
Built-in SBA 7(a) closing timeline — NDA through funded. Track where you are, what comes next, and projected close date based on your current stage.
P&L Intelligence
AI benchmarks every line item against sector norms and flags contradictions between what the broker claims and what the numbers show. Get deal-specific seller questions before you spend a dollar on diligence.
Negotiation Scenarios
On a broker call? Create named scenarios — "Broker ask", "My counter", "Walk-away" — and compare DSCR, cash at close, and debt service side by side in real time. Your saved model is never touched.
Quick Screen
Paste a broker teaser and get a Go/No-Go verdict in seconds. Checks against your BuyBox, estimates DSCR range, flags risks, and generates 3 broker questions — before you build a model.
DSCR Solver
Set a target DSCR and solve backwards. Pick your lever — asking price, seller note %, or equity injection — and get the exact number needed to hit your coverage target instantly.
See It in Action
Every panel is connected. Change one number and everything updates instantly.
Know Your Deal Before the Lender Does
Deal14's proprietary scoring system evaluates your deal across 6 dimensions in real time. See exactly where your deal is strong, where it's weak, and how it aligns with your personal acquisition criteria.
- Scores Business quality, Returns/DSCR, Income integrity, Deal financials, Growth trajectory, and Execution risk
- Color-coded Go / No-Go aligned to your BuyBox criteria
- Identifies concentration risk, owner dependency, and red flags automatically
SBA-Compliant Cash Flow Analysis, Instantly
See year-by-year debt service coverage across a 10-year projection. The SBA's 1.25× floor is enforced automatically — no manual calculation needed.
- Bear, Base, and Bull scenarios from your growth rate inputs
- Highlights any year that drops below the SBA 1.25× floor
- CFADS calculated from your QoE-adjusted P&L automatically
From Model to Offer Letter in 5 Minutes
Deal14 generates professional Indication of Interest or Letter of Intent documents directly from your live deal model — no copy-pasting, no formatting, no blank page.
- Auto-fills EV, cash to seller, SBA loan, seller note terms from your stack
- LOI includes all 22 standard articles with binding/non-binding labels
- Download as .docx — fully editable in Word before sending
Go/No-Go on any deal
in under 30 seconds
Paste a broker teaser. Deal14 reads it against your BuyBox — EV range, sector, minimum DSCR — and gives you a verdict with specific red flags and broker questions. Before you spend an hour building a model.
- ⚡Reads your BuyBox criteria automatically
- 🎯GO / INVESTIGATE / NO-GO verdict with reasoning
- 📋3 specific questions to ask on the broker call
- 📊Estimated Y1 DSCR range from teaser numbers
- 🚀One click to open a full deal model with pre-filled data
5 credits per screen · included on all plans
• Asking: $6.9M (4.67× SDE)
• 52 retainer clients · Klaviyo Platinum Partner
• Remote · Full management team
Work backwards from
the DSCR you need
Most tools tell you what your DSCR is. Deal14 tells you what it needs to be — and solves for the asking price, seller note, or equity injection to get you there. Set your target, pick your lever, get the answer instantly.
- 🎯Set any target — 1.25× (SBA floor), 1.35×, 1.50×, or custom
- 🔧3 levers: asking price · seller note % · equity injection
- ⚡Instant answer — no manual iteration needed
- ✅Apply to your deal model in one click
Know What's Wrong Before You Ask
AI reads every line of your P&L against sector benchmarks and flags contradictions between what the broker claims and what the numbers actually show. You get specific questions to ask the seller — before you spend a dollar on diligence.
- Benchmarks every line item against sector norms (IT services, SaaS, B2B, manufacturing and more)
- Detects contradictions — "offshore team" claim vs high contract labour, "no office" vs material rent
- Generates deal-specific seller questions you can send directly
- Mark flags as mitigated when the seller explains — Deal Readiness updates automatically
Answer broker questions
in real time
When the broker asks “what if the price goes to $3.6M?” you need an answer in 10 seconds — not after switching between 5 panels and losing your current model.
| Metric | 📊 My Model | Broker ask | My counter |
|---|---|---|---|
| Enterprise Value | $3.40M | $3.60M +5.9% | $3.45M +1.5% |
| Price Multiple (EV/CFADS) | 4.8× | 5.1× +6.3% | 4.9× +2.1% |
| Seller — Cash at Close | $2.38M | $2.52M +5.9% | $2.42M +1.7% |
| Seller Note Exposure | $1.02M | $1.08M +5.9% | $1.04M +2.0% |
| Buyer — Cash Required | $170K | $198K +16.5% | $173K +1.8% |
| SBA Loan Amount | $2.72M | $2.88M +5.9% | $2.76M +1.5% |
| Monthly Debt Service | $35.2K | $37.3K +5.9% | $35.7K +1.4% |
| CFADS | $706K | $706K — | $706K — |
| DSCR Y1 | 1.41× | 1.19× −15.6% | 1.38× −2.1% |
What you're doing now vs. Deal14.
The gap isn't just time. It's the quality of the model that reaches your lender.
Start free. Scale when you're ready.
Every plan includes full access to the core deal engine — DSCR, BRIDGE, capital stack, IOI/LOI.
- 1 active deal
- 20 AI credits (one-time)
- Quick Screen + DSCR Solver
- Full DSCR + BRIDGE modelling
- Capital stack builder (TPC-based)
- IOI / LOI export (Deal14 branded)
- CIM AI extraction
- Bear / Base / Bull scenarios
- DD Checklist + QoE + AI Analysis
- 5 active deals
- 300 AI credits / month
- Quick Screen + DSCR Solver
- CIM AI extraction
- Bear / Base / Bull scenarios
- DD Checklist, QoE, AI Analysis + Chat
- Share links for lenders & advisors
- Deal Memo + Data Room
- IOI / LOI export (Deal14 branded)
- Unlimited deals
- 750 AI credits / month
- Quick Screen + DSCR Solver
- IOI / LOI & Deal Memo — no branding
- Investor equity + waterfall modelling
- LBO + sensitivity grid
- Negotiation scenarios
- 100-Day plan + deal teaser
- Priority support
No credit card required to start. Cancel anytime. Founding member pricing locked in forever.
The things you're actually wondering.
Your next deal is probably
in your inbox right now.
Don't spend 3 days building a model your lender will reject. Run it through Deal14 — free, in the time it takes to finish your coffee.
Free plan · No credit card · Under 5 min to first model