Close SBA Deals
Faster. Model Smarter.
The only deal modelling platform built for SBA-financed lower middle market acquisitions. DSCR, BRIDGE score, capital stack, IOI/LOI — in one workspace.
From CIM to IOI in One Afternoon
No spreadsheets. No guesswork. Just a clean model you can present to lenders.
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.
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 deal quality score across 6 dimensions: Business model, Revenue, Income, Deal structure, Growth, and Exit clarity.
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.
SBA Compliance Check
Auto-checks against SBA SOP 50 10 rules. Traffic-light results for DSCR, equity injection, seller note structure, and eligibility.
Structure Advisor
AI-powered structure recommendations based on your DSCR, BRIDGE score, and buyer cash available. Apply with one click.
Lender Directory
Curated SBA preferred lenders active in the ETA/searcher community. Contact info, specialties, and known deal criteria.
Sources & Uses
Auto-balancing Sources = Uses with TPC breakdown. Shows exactly what you bring to close vs what the SBA and seller fund.
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.
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 model, Revenue, Income, Deal structure, Growth, Exit
- 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
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% |
Manual Analysis vs Deal14
See how Deal14 transforms your deal evaluation process
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)
- Full DSCR + BRIDGE modelling
- Capital stack builder (TPC-based)
- IOI / LOI generator
- Deal memo export
- CIM AI extraction
- Bear / Base / Bull scenarios
- 5 active deals
- 300 AI credits / month
- Full DSCR + BRIDGE modelling
- Capital stack builder (TPC-based)
- IOI / LOI generator
- CIM AI extraction
- Bear / Base / Bull scenarios
- Share links for advisors
- Unlimited deals
- 750 AI credits / month
- Everything in Searcher
- Investor equity modelling
- GM / Operator partner mode
- LBO / Conventional comparison
- Sensitivity grid analysis
- Priority support
No credit card required to start. Cancel anytime. Founding member pricing locked in forever.
Frequently Asked Questions
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next deal today.
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