Fundability Score
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Deal & Cash Flow
The asking or negotiated acquisition price.
SDE commonly includes owner economics, so replacement management is deducted for a transferable cash-flow view.
Annual fixed-asset / system replacement reserve. Inventory is not capex.
Include retained debt and any current-pay seller-note debt service not modeled separately.
Financing & Structure
1.35x is the balanced screening default.
Cash-flow-supported senior debt
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Based on normalized cash flow, target DSCR, APR, and term. This is debt capacity, not lender approval.
Funding source only. If it requires current payments, include that annual payment in Other annual debt service.
A use of funds at closing; it no longer reduces annual DSCR cash flow.
Default is a 3% screening placeholder on the sample deal. Replace with known costs.
Have a marketplace deal? Import an Empire Flippers listing. Need the math? Open Terms & Methodology.
Debt-capacity scenarios
What changes when you demand more cushion?
Each scenario caps senior acquisition debt at the purchase price and holds your entered seller note, APR, term, working capital, and closing costs constant.
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—Risk Flags
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Next Actions
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Deal looks worth pursuing?
Turn the screen into a financing conversation—or compare notes with buyers, sellers, and operators working through real acquisition math.
Quick scoring & financing methodology
Score: 100 points total: DSCR 35, books 20, owner dependence 15, customer concentration 10, capex 10, recurring revenue 10.
Debt capacity: normalized cash flow ÷ target DSCR determines maximum annual senior debt service, then the amortization formula is reversed to estimate supportable principal.
Working capital: working / operating capital at close is a source-and-use item, not an annual DSCR deduction.
Seller note: the amount reduces buyer cash required, but current-pay seller-note debt service must be entered under Other annual debt service.