rosewoodtc Real Deal Analyzer

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rosewoodtc

Listing check · for the broker

Broker view

Listing

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Coverage at asking

Highest financeable pricewhere coverage hits 1.25

Value at 4.0xwhere most offers start

Asking price vs. what the market supports

The gap between value and the financing ceiling is where the price conversation happens.

Which buyers qualify

Debt coverage at the asking price for each type of buyer.

Owner-operator

Works the store, so no manager salary.

Hands-off owner

Fix before buyers ask

What buyers and lenders will question about this listing.

Prepared with the rosewoodtc Real Deal Analyzer · rosewoodtc.com

Coverage, injection and standby rules follow SBA SOP 50 10 8.1 (effective Oct 1, 2026) and the FY2027 SBA fee schedule. Price and return targets are industry benchmarks. Rules as of Oct 2026. For screening only.

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rosewoodtc

Lender summary

Lender preview

Listing

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Debt coverage

Loan amount

Yearly payment

Cushion

Stress test

Debt coverage if the business has a bad year. Costs are held steady, so lost revenue comes straight out of cash flow.

1.25 SBA minimum

Sources and uses

Where every dollar comes from and where it goes.

Risk flags

What a credit committee will ask about.

Prepared with the rosewoodtc Real Deal Analyzer · rosewoodtc.com

Coverage, injection and standby rules follow SBA SOP 50 10 8.1 (effective Oct 1, 2026) and the FY2027 SBA fee schedule. Price and return targets are industry benchmarks. Rules as of Oct 2026. For screening only.

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rosewoodtc

Deal screening report

Sample report

Oct 10, 2026

ListingManhattan self-service laundromat

80out of 100

Strong · dig deeper

The business earns about $59,000 a year before loan payments. It covers the loan 1.33 times over, above the SBA's 1.25 minimum. The price is 5.9x cash flow, so the ask runs $114,000 above a 4.0x target.

Yearly cash flow$59,00026.8% margin

Loan payments / yr$44,403$280,000 borrowed

Left after the loan$14,597to the owner each year

Debt coverage1.33target 1.25

Cash-on-cash return20.9%target 15.0%

Price multiple5.9xtarget 4.0x

How the score adds up

Debt coverage

25/25

Cash-on-cash return

25/25

Price multiple

13/20

Building included

0/10

Location security

10/10

Equipment age

7/10

Suggested max offer

The most to pay and still land at a 4.0x price multiple. A starting point for negotiating.

$236,000

Prepared with the rosewoodtc Real Deal Analyzer · rosewoodtc.comFor screening only. Verify seller numbers with tax returns and bank statements.

Coverage, injection and standby rules follow SBA SOP 50 10 8.1 (effective Oct 1, 2026) and the FY2027 SBA fee schedule. Price and return targets are industry benchmarks. Rules as of Oct 2026.

Turn a brick and mortar listing into a client-ready report.

Listing numbers

What would make it work

Asking price vs. what the market supports

Which buyers qualify

Fix before buyers ask

Stress test

Sources and uses

Risk flags

How the score adds up

Suggested max offer

Send every buyer a report like this