Buyer prequalification

Pre-qualify to buy an SBA-ready business

Tell us your cash available, credit band, state, target industry, and deal size. We'll estimate what you may be able to finance and which lenders are active in deals like yours — before you sign an LOI.

This is an estimate to help you plan, not a loan approval or offer. CapBench is not a lender and does not make credit decisions.

Your money

What you can put toward a deal and how lenders will read your file.

Cash available for the deal

Down payment, fees, closing, and a working-capital cushion come from here.

Personal credit band

Your experience

While you're here

Run the numbers and learn the rules so you walk into prequalification ready.

SBA loan calculatorPayment, DSCR, and out-of-pocket with current SBA numbers.Down payment rulesThe 10% equity injection rule, seller-note standby, and what counts.Find an SBA lenderLenders that actually fund deals like yours, by state and industry.SBA Q&APlain-English answers on eligibility, guarantors, and deal structure.

AI summary

This pre-qualification wizard estimates your SBA 7(a) buying power before you sign an LOI: from your cash available, credit band, state, target industry, and deal size, it projects roughly what you may be able to finance, your cash to close, and debt-service coverage, then points you to lenders active in deals like yours. The estimate uses typical 7(a) down-payment and coverage assumptions and no credit pull, so it is a planning tool — not a loan approval, offer, or commitment — built for buyers who want to walk into financing conversations ready.

This is general information, not legal, tax, or financial advice, and CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Browse SBA-ready deals

Prequalification estimates are for planning only — not a loan approval, offer, or commitment. CapBench is not a lender and makes no credit decision. SBA financing depends on buyer qualifications, lender underwriting, complete documentation, and current SBA rules.