Roll-up calculator
Add each business you plan to buy. See the cash you need, the yearly loan payments, and whether each business, and the whole group, can carry its debt (DSCR).
Financing assumptions (example values: change them to your lender's terms)
Businesses
| Business | Price ($) | Yearly profit ($) | Multiple | Your cash | Bank loan | Seller note | Debt / year | DSCR | |
|---|---|---|---|---|---|---|---|---|---|
Yearly profit = the profit available to pay debt: SDE for an owner-run business, EBITDA for a larger one, after paying a manager if you will not run it yourself. DSCR = yearly profit ÷ yearly loan payments. Many lenders look for at least 1.25. Between 1.0 and 1.25 is tight. Below 1.0 the business cannot pay its loans from its own profit.
How roll-ups usually get financed
- First deal: a bank or SBA loan, your cash, and a seller note. Check before you offer seller rollover equity: it can affect SBA eligibility.
- Deals two to four: cash flow from the first business, more seller notes, and deal-by-deal investors who can now see a track record.
- Platform stage: a lender who looks at the combined group, or a fund with committed capital. Most want a few closed deals first.
Once the deals close, read AI after an acquisition: a 90-day plan. It covers the first jobs to automate and how to copy the setup into each business you add.
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Book a free callEstimates only, with level monthly payments and no fees, working capital or taxes. Acquisitions.com is an advisory firm, not a broker-dealer or a lender; financing comes from third-party lenders and investors. Not financial advice.