Independent financing math
Start with the numbers, not a lender.
See which financing structures are built for what you're doing, what the payments work out to, and what share of your cash flow they would take — before you apply anywhere.
No email required to see your results.
Business broker? The acquisition deal screen is the worksheet built for your side of the table.
Example estimate — illustrative only
What a reality check could show
- Financing amount
- $75,000
- Estimated monthly payment
- $2,410
- Estimated total repayment
- $86,760
- Share of monthly cash flow
- 24%
Example estimate — illustrative only. Not an offer. Your numbers depend on the information you enter and the assumptions shown in the analysis.
What are you trying to fund?
Buy a business
See what the price means in monthly payments before you make an offer.
Working capital
Check whether a short-term cushion fits your cash flow.
Equipment
Compare the payment against the revenue the equipment should produce.
Expansion
Test whether growth can realistically carry new debt.
Commercial real estate
Understand the long-term cost before you commit to a property.
Inventory
See if the payment schedule matches how fast inventory turns.
Refinance existing debt
Compare your current cost against what a new structure could look like.
How CloserToDone works
Tell the tool what you're trying to fund
Enter your numbers — no account, no email
See the structures built for that purpose
See the math behind every figure
Sometimes the smartest answer is not to borrow.
We are not here to convince you to borrow.
The analysis shows the payment, the total cost, and the share of cash flow it would take. Sometimes those numbers point toward borrowing less, a different structure, waiting, or keeping the offer you already have. CloserToDone doesn't make that call for you, and it isn't paid to push you either way — it shows you what the numbers do.
Already have an offer?
Enter the financing offer you already received. The tool breaks out the rate, term, payment, and total cost from the terms you type in, so you can compare it against anything else on the table.
Why trust CloserToDone?
- Every figure shows the math behind it
- Results come only from the numbers you enter
- Estimates are labeled as estimates
- No referral links, sponsored placements, or partner integrations
- Full results in your browser — no account, no email
For business brokers
An acquisition deal screen for the other side of the table.
CloserToDone builds a separate worksheet for business brokers: enter an acquisition's cash flow and proposed capital stack, and see whether the entered structure carries its modeled debt service at the coverage benchmark you set. It screens the numbers — it does not underwrite, value a business, or take a position on the transaction. The conventions behind every figure are published.