Financial models for buying a real business
Every model is built for one specific business — its revenue driver, its cost structure, its financing. Pick the one that matches the deal on your desk.
Daycare / Childcare Center Financial Model
The only daycare model that builds your staffing — and your whole P&L — from your state's legal staff-to-child ratios. 5-year pro forma, DSCR, breakeven occupancy and IRR for opening a…
Dental Practice Acquisition & SBA Underwriting Financial Model
Underwrite a dental-practice acquisition the way an SBA lender will: build production from the dentists and hygiene department, bridge it to the collections a lender actually underwrites…
Small Business Acquisition (ETA) Underwriting Financial Model
Underwrite a small-business buyout the way your SBA lender will: SDE built from the tax return, a 3-part capital stack, and the DSCR gate.
Food Truck / Coffee Truck Financial Model
The only food/coffee truck model that builds your revenue from a real weekly service schedule — not a flat daily average. 5-year P&L, SDE, payback, a monthly cash runway and a Food⇄Coffee…
Funeral Home / Death-Care Acquisition & SBA Underwriting Financial Model
A 5-year, lender-ready underwriting model for buying a single-location funeral home with an SBA 7(a) loan — built on a call-volume + service-mix engine that reads the firm on its revenue…
Gas Station & Convenience Store Acquisition & SBA Underwriting Financial Model
A fuel + convenience store that pencils on the broker's sheet — and gets repriced at the bank.
Independent Insurance Agency Acquisition & SBA Underwriting Financial Model
Underwrite an independent P&C insurance agency acquisition the way an SBA lender will: build the book from a retention-driven commission engine, EXCLUDE volatile contingency income, deduct…
Landscaping & Snow Removal Acquisition & SBA Underwriting Financial Model
Underwrite a landscaping / lawn-care & snow-removal acquisition the way an SBA lender will: build revenue from a seasonal revenue-curve and the service mix (recurring maintenance, lumpy…
Laundromat Acquisition & Underwriting Model (SBA 7a)
SBA-ready underwriting for buying an existing laundromat: machine-level revenue, age-based capex reserve, SDE valuation, the 1.25x DSCR gate, cash-on-cash and a 5-year IRR.
Liquor Store / Package Store Acquisition & SBA Underwriting Financial Model
A 5-year, lender-ready underwriting model for buying a single-site liquor / package store with an SBA 7(a) loan — built on a gross-profit-by-category engine that reads the store on its real…
Marina & Boat Storage Acquisition & Underwriting Financial Model
The only single-marina model built the operator's way — slip revenue priced PER LINEAR FOOT by length band, run through a real 12-month seasonality curve (summer peak AND winter trough)…
Med-Spa / Medical Aesthetics Acquisition & SBA Underwriting Financial Model
Underwrite a med-spa acquisition the way an SBA lender will: build revenue from injector productivity and the membership recurring book, then deduct the DUAL add-back a broker skips — a…
Mobile Home Park Acquisition & Underwriting Financial Model
The only single-park mobile home park model built the operator's way — lot-rent revenue, a SEPARATE utility-reimbursement (RUBS) line, the park-owned-home premium, and an infill engine that…
Multi-Unit QSR Franchise Resale Acquisition & SBA Underwriting Financial Model
Underwrite a multi-unit QSR franchise resale the way an SBA lender will: build earnings from FDD Item 19 unit economics net of the royalty stack, deduct a real above-store district manager…
Independent Auto Repair Shop Acquisition & SBA Underwriting Financial Model
Buy an independent auto repair shop with your eyes open: revenue built from bays, techs and billed hours at the rate the shop actually collects ($118, not the $140 on the sign), a real SBA…
Boat / Marine Dealership Acquisition & SBA Underwriting Financial Model
Underwrite a boat / marine dealership acquisition the way it really works: gross by department (new boats, used, F&I, parts & service), an explicit floorplan interest engine on the boat…
Boutique Fitness Studio Financial Model
The only boutique-fitness model that builds your revenue from real class throughput — seats × classes × fill — not a guessed member count. 5-year P&L, SDE, DSCR, payback, a Year-1 cash…
Boutique Hotel / Motel Acquisition & SBA Underwriting Financial Model
The broker prices this motel at $75,000 a key.
Express Car Wash Acquisition & Membership Financial Model
The only single-site car-wash model built on the membership engine — steady members = sign-ups ÷ churn — with a penetration headline and full SBA acquisition underwriting. 5-year P&L…
Independent Collision / Auto Body Shop Acquisition & SBA Underwriting Model
Suggested categories: Car Services (384) + Service Businesses (370) + Retail (300).
HVAC / Home-Services Acquisition & SBA Underwriting Financial Model
Underwrite an HVAC buyout the way your SBA lender will: revenue built from the recurring maintenance book, SDE bottom-up from the mix, and the DSCR gate with maintenance-book coverage.
Independent Retail Pharmacy Acquisition & SBA Underwriting Financial Model
Brand drugs are 57.6% of the sales and 9.9% of the gross profit.
Optometry Practice Acquisition & SBA Underwriting Financial Model
Underwrite an optometry-practice acquisition the way an SBA lender will: build revenue from the exam chairs and the optical dispensary the practice captures, bridge it to the collected…
Producing Oil & Gas Well (PDP) Acquisition & RBL Underwriting Model
Independent Pest Control Company Acquisition & SBA Underwriting Financial Model
Underwrite an independent pest control acquisition the way an SBA lender will: build revenue from a recurring route book (accounts x annual value) with a route-density engine, separate the…
Powersports Dealership Acquisition & SBA Underwriting Financial Model
Underwrite a powersports dealership acquisition (moto / ATV / UTV / PWC / snowmobile) the way it really works: gross by department (new units, used, F&I, parts & service), an explicit…
Residential Assisted Living / Adult Family Home Acquisition Model
The broker prices this care home as if every bed paid private.
RIA / Wealth-Management Practice Acquisition & SBA Underwriting Model
Buying a wealth-management book? This lender-ready Excel prices it on cash flow, not the broker's 2.2x-revenue sheet — AUM roll-forward, retention/transition, market-drawdown down-case, SBA…
RV Dealership Acquisition & SBA Underwriting Financial Model
Underwrite an RV dealership acquisition the way it really works: gross by department (new, used, F&I, parts & service), an explicit floorplan interest engine on the inventory, the fixed-ops…
RV Park & Campground Acquisition & Underwriting Financial Model
The only single-park RV / campground model built the operator's way — revenue from a site-mix (RV full-hookup / tent / cabin-glamping) run through a real 12-month seasonality curve (summer…
Self-Storage Acquisition & Underwriting Financial Model
The only single-facility self-storage model built from the rent roll up — GPR via SUMPRODUCT across six unit sizes, the physical→economic occupancy bridge most templates skip, ECRI…
Co-Located Solar + BESS: Shared-POI & ITC Qualification Underwriting Model
Operating Solar (+BESS) Asset Acquisition & Tax-Equity Flip Underwriting Model
Airbnb / STR Acquisition & Underwriting Model
Lender-ready 5-year pro forma for buying a short-term rental: DSCR, Cash-on-Cash, IRR, break-even occupancy and a full sensitivity matrix.
Trucking Owner-Operator & Small Fleet Financial Model
The only owner-operator trucking model that builds your revenue by the mile — rate × loaded miles, deadhead in — with a live breakeven-CPM gauge. 5-year P&L, SDE, DSCR, owner take-home, a…
Outpatient Physical Therapy Clinic Acquisition & SBA Underwriting Financial Model
The seller's pro-forma prices a margin plan the payer mix won't let you run.
Veterinary Practice Acquisition & SBA Underwriting Financial Model
Underwrite a veterinary-practice acquisition the way an SBA lender will: build revenue from provider productivity and the wellness recurring book, deduct BOTH a manager AND the associate to…
Accounting / Bookkeeping / Tax Firm Acquisition & SBA Underwriting Financial Model
Realization-Rate Bridge, Recurring CAAS Book, Tax-Season Cash Curve & DSCR
Farm / Ranch Acquisition & Lender Underwriting Model
Every farm template on the market is a ten-year forecast for someone who is STARTING a farm.
Search Fund / Independent Sponsor: Multi-Acquisition Holdco & LP Waterfall Model
You can underwrite one acquisition on a single sheet: price, debt, cash flow, coverage, exit.
Staffing / Recruiting Agency Acquisition & SBA Underwriting Financial Model
Bill-Pay Spread, DSO / Payroll-Funding Working Capital & DSCR
Utility-Scale Solar PV Project Financial Model - Sculpted Debt Sizing on an Empirically Corrected P50, ITC + MACRS & DSCR (Excel + Google Sheets)
Il debito del solare contracted si dimensiona sul P50 a 1,25-1,30x di DSCR — non sul P90 (fonte: panel *Cost of Capital* 2024/2025/2026, Norton Rose Fulbright).
Free STR Deal Screener
A free one-sheet underwriter: type your numbers, get DSCR vs the 1.25x lender floor, cash-on-cash, and a BANKABLE / RENEGOTIATE verdict in 60 seconds.