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Deal14
What is Deal14

Deal14 is underwriting software for SBA 7(a) business acquisitions.

It takes a seller's CIM, tax returns, and financials, extracts the numbers with AI, calculates SBA-compliant DSCR and equity-injection compliance, models the capital stack, and generates the IOI/LOI and lender package — replacing the spreadsheet-plus-manual-analysis workflow most buyers use to evaluate a small-business acquisition today.

Who it's for

Self-funded searchers and independent sponsors acquiring lower-middle-market businesses via SBA 7(a) financing — the buyer evaluating a deal, not the seller or their broker.

What it does

How it's different from a spreadsheet or a generic finance tool

General financial-reporting and forecasting tools (the kind operators use to run a business after close) aren't built around SBA's specific acquisition rules — the 10% equity-injection requirement, standby seller-note treatment, and the 1.25x DSCR floor. Deal14 is built around exactly those rules, so the DSCR and equity-injection numbers it produces are the same ones an SBA lender will check.

FAQ

Is Deal14 a business-for-sale marketplace?
No. Deal14 doesn't list businesses for sale. You bring a deal you've already found — from a marketplace like BizBuySell or Axial, a business broker, or your own sourcing — and Deal14 underwrites it: financial extraction, SBA-compliant DSCR, capital stack, and lender package.
Does Deal14 replace my SBA lender?
No. Deal14 is buyer-side underwriting software. It prepares a defensible financial model and a lender-ready package so you walk into a conversation with an SBA 7(a) lender or loan broker with your numbers already reconciled — the loan itself still comes from a bank or non-bank SBA lender.
Is Deal14 built specifically for SBA 7(a) deals?
Yes. The DSCR, equity-injection, and capital-stack math in Deal14 follow SBA SOP 50 10 8 rules specifically (10% equity injection of Total Project Cost, standby seller notes, 1.25x DSCR floor), not generic LBO or private-equity modelling conventions.
Who uses Deal14?
Self-funded searchers and independent sponsors acquiring lower-middle-market businesses (typically under $5M in enterprise value) using SBA 7(a) financing.

See also: the full SBA deal-analysis tool landscape and how Deal14 compares to marketplaces and spreadsheets.

Model your next deal in Deal14

From a CIM to a lender-ready model in one afternoon — DSCR, capital stack, and the lender package, built for SBA 7(a) searchers.

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