Template

Historical Cash Flow & Add-Back Workbook

Under SOP 50 10 8.1, coverage for a business purchase is measured on historical earnings, not projections. This workbook takes three years of results plus the interim period, calculates EBITDA with documented add-backs, and tests coverage after the new loan at the SBA minimum for your loan type and on a global basis.

What’s included

• Three years plus interim, by period
• EBITDA with documented add-backs
• Coverage tests at 1.10, 1.15 and 1.25, and 1.0 global
• Guide and filled example

Every AceTheSBA product comes with

• Step-by-step instructions for every section
• A completed example for a fictional business
• References to the SBA rule each part applies
• Editable Word, Excel or PowerPoint files
• A version showing the SBA rules it follows (SOP 50 10 8.1)
• Documents for your lender kept free of AceTheSBA branding