Bowline · Deal Analyzer

Enter a deal. See the math. Score it.

Type a purchase price, revenue, SDE, down payment, interest rate, and loan term. Bowline shows the financing math — loan amount, monthly payment, annual debt service, DSCR, cash flow — and a transparent 0–100 Deal Score. Outputs update as you type.

Enter the deal
Inputs that drive the financing math + 0–100 Deal Score. All values are estimated.
$
$
$

SDE — what the owner takes home before debt service.

$

Cash you bring to closing.

%

SBA 7(a) variable rate. 0% works for the math.

yr
0–100 Deal Score
Heuristic indicator — not a binding opinion. · synced
65
Strong
Purchase multiple
3.44× SDE
28
Debt service coverage
DSCR 3.13
100
Equity cushion
11.2% down
41
SDE margin
26.7% margin
100

The score is heuristic — a transparent relative indicator across purchase multiple, DSCR, equity cushion, and SDE margin. Bring the numbers to a real professional before you sign.

Financing — estimates
Live, deterministic math. Updates instantly as you type.

Loan amount

$1,465,000

Monthly payment

$12,800

Annual debt service

$153,596

DSCR

3.13

Buyer equity

$185,000

Est. annual cash flow

$326,404

Purchase multiple

3.44×

SDE margin

26.7%

Math first

Type any values — the loan, monthly payment, DSCR, and cash flow recalc immediately. Heuristic weights are public.

Synced from server

The 0–100 Deal Score is recomputed by /api/deal-score on a 250ms debounce, so the number on screen is the server's authoritative view.

Estimates, not promises

No SBA-approval promise, no deal sourcing, no member feed — just deterministic math and a transparent score you can stress-test.

What Bowline is — and isn't

Math, not advice.

Bowline gives you a working math model and a transparent score. We are not a lender, financial advisor, lawyer, or accountant — and the numbers you see are estimates, based on inputs you provide. Use them to decide which deals are worth your time, then bring the deal to a real professional before you sign anything.

  • Deterministic — same inputs, same outputs. No black boxes.
  • No SBA-approval promise. Lenders run your own underwriting.
  • No deal sourcing, brokerage, or member community. Just math.
  • No data is stored by this analyzer. Drawings live in your browser.

Still have a question?

Email us — we read every message and reply within five business days.

bowline-djfv8w@polsia.app