Deal Tools
Run the numbers like a buyer.
The same quick math we run on every deal — free for anyone evaluating a small business. Know your top line, your expenses, your margin, and your debt coverage before anyone else at the table does.
Business Valuation
Slide your EBITDA and watch the range move. Industry-standard benchmark multiples, illustrative only.
Example only. This calculator is an illustrative example using generalized, commonly cited industry benchmark multiple ranges. It is not a valuation, appraisal, offer, or indication of interest, and actual value depends on many factors — quality of earnings, payer mix, licensure, contracts, management, geography, and market conditions. Any actual offer is subject to financing and due diligence and is made only through definitive documentation.
Acquisition finance tools
General-purpose calculators for underwriting a small-business acquisition. Educational only.
Waterfall Calculator
A general teaching tool: see how a typical private-deal distribution waterfall works (preferred return hurdle, then carried interest). Your assumptions, your math. It does not describe any Celer Capital transaction and is not a projection or an offer.
Net proceeds after carry
$1,140,000
Net MOIC
2.28×
Approx. net IRR
17.9%
Sponsor carry paid
$110,000
Assumes a single capital call and single exit distribution, a simple (non-compounded) preferred hurdle, and carry on profit above the hurdle. Actual waterfalls vary by deal and are governed solely by definitive documents. Hypothetical math on your inputs — not a forecast, projection, or offer.
Monthly Debt Service
Loan repayment + interest. Add an optional balloon — common on seller notes and commercial acquisition debt (e.g. 20–25-year amortization, balloon due at year 5–10).
Monthly payment
$12,668
Annual debt service
$152,011
Balloon
—
Total interest
$520,109
Debt Service Coverage Ratio (DSCR)
Earnings ÷ annual debt service. The first number every lender checks.
DSCR
2.00×
Strong — most lenders are comfortable above ~1.25×.
Earnings Before Debt Service & Taxes
Top line minus operating expenses — what the business actually throws off before the bank and the taxman.
Earnings before debt service & taxes
$1,000,000
Gross Margin
Top line minus direct costs, as dollars and as a percentage of revenue.
Gross margin ($)
$2,000,000
Gross margin (%)
40.0%
Want to talk through the math?
Family offices, institutions and strategic partners are welcome to start an introductory conversation.
These tools are provided for general educational purposes only and are illustrative examples. They are not financial, investment, tax, legal, or accounting advice, and no output constitutes a valuation, appraisal, offer, or recommendation. Celer Capital is not a registered investment adviser or broker-dealer. Consult qualified professionals before making financial decisions.