SBA cash at close
Best when you want the most cash on day one, especially if your gain may qualify for QSBS.
Price
$5.56M
Cash to you
~95%
$1.5M–$12M
Deal size we buy
01 · Exit readiness
How ready is your business?
Twelve questions buyers and lenders ask. Answer honestly; the score shows where the road has gaps and what to fix first.
Readiness score
0
By area
Fix these first
02 · Business value
What is it worth?
Buyers price small companies as a multiple of earnings. Start from your industry's range, then adjust for the six things that move a multiple most.
Earnings measured as
SDE adds back the owner's pay, so it carries a lower multiple.
Value drivers
Estimated value range
Midpoint
Driver effect on multiple
Use this midpoint as your expected price in every calculator.
Broad market ranges for illustration, not an appraisal. A Yieldz valuation is built from your actual financial statements.
03 · Net proceeds
What do you actually keep?
The price is not the check. Fees, debt, closing costs, and taxes come out first. Compare a broker sale with a Yieldz Exit on the same price.
Default is 23.8% federal plus your state rate. Use the tax calculator to lower it.
You keep with Yieldz EX
| Broker sale | Yieldz EX |
|---|
EX cash at closing
EX paid to you later
Illustrative. Taxes applied to the gain above your basis at the rate shown. Yieldz structuring fee: $150K under $2M, $200K under $4M, $250K under $6M, 3.5% above. Cash timing assumes the structure in calculator 04.
04 · Deal structure
Build the capital stack.
Choose a starting structure, then shape it. The builder checks SBA limits, debt coverage, and total debt, and shows what reaches you each year.
Start from
Down payment
Your seller note
Stake and SBA
Cash to you at closing
Where the price comes from
SBA loan
Coverage, year 1
Coverage, note paying
Paid to you after closing, by year
Year-by-year table
| Year | SBA payment | Seller note | Standby note | Coverage |
|---|
Illustrative. SBA 7(a) loans cap at $5M, need about 1.25x debt coverage on historical earnings, and are subject to lender approval. The standby note receives no payments until the SBA loan is repaid. Earnings are assumed flat.
05 · QSBS check
Could your gain be tax-free?
Section 1202 can exclude up to $10M of gain from federal tax on qualifying C corporation stock. Walk the tests to see where you stand.
Result
Held at closing
Full exclusion date
Exclusion cap
Potential federal tax saved
Educational screen, not a tax opinion. Stock issued after July 4, 2025 uses the newer rules: 50% at 3 years, 75% at 4, 100% at 5, a $15M cap, and a $75M asset test. Some states, including California, do not follow the federal exclusion. Confirm with your tax advisor.
06 · Tax savings
Stack the strategies.
Turn each strategy on to see how much tax it removes and how much it pushes into later years. Deferred tax is still owed, just not in the year you sell.
Equipment recapture, non-compete, consulting. Baseline assumes 15%.
Strategies
Tax due for the sale year
Baseline tax
Eliminated
Deferred
Effect by strategy
Tax eliminatedTax deferred
Simplified model: 37% federal on ordinary income, 20% on capital gain, 3.8% investment income tax, your state rate on both. CRT deduction estimated at 10% of the value contributed. Cash balance savings are deferred until withdrawal. Not tax advice; your CPA confirms what applies.
07 · Proceeds planner
Give your proceeds a home.
Decide how your after-tax proceeds are split between reserves, lifestyle, investments, and an optional legacy plan, and see how a funding schedule affects your cash each year.
Optional legacy plan
Invested after year 1
Year-one split of your proceeds
| Year | Contribution | From cash | Financed | Loan balance | Interest paid |
|---|
Values, income, and death benefit come only from an official illustration by a licensed advisor for your age and health.
Request an illustrationA planning worksheet, not an insurance illustration or offer. It shows cash flows only. Financed contributions are shown as a loan with interest paid yearly; how that loan is repaid is set out in the official illustration. Optional and never a condition of a Yieldz purchase.
08 · Retirement income
Will the sale fund your next chapter?
Compare the income you want with what your proceeds and other income can support at a steady withdrawal rate.
Many planners use 3.5–4.5% so savings can last 30 years or more.
Annual gap
Other incomeFrom your proceedsIncome you want
Nest egg needed
Proceeds income
Illustrative, before income tax, in today's dollars. Not investment advice. Market returns and inflation change what a withdrawal rate can support.
09 · Exit timeline
Map the road to closing.
Set your target closing date and transition length. The planner lays out each stage and flags anything that should move, like a closing that lands before your QSBS date.
From calculator 05, or leave blank.
Start preparing
| Milestone | Date |
|---|