PFA
FINANCIAL ANALYTICS

Sample work

A complete package as a lender would receive it, built on a fictional $1.2 million HVAC acquisition. The company and figures are invented; the method is the one used on live files, and every number ties out.

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Key results

Business Ridgeview HVAC Services (fictional), residential HVAC, Texas
Purchase price $1,200,000, asset purchase
Financing SBA 7(a) $1,080,000, 10 years at 9.50%; buyer cash $60,000; standby seller note $60,000
Adjusted earnings $220,000 (2024), $244,000 (2025), $232,000 two-year average
Annual debt service $167,699
Coverage 1.38x two-year average, 1.45x last fiscal year, against a 1.25x minimum
Sensitivity A 2.8% revenue decline reaches 1.25x; 8.1% reaches 1.00x
Conclusion Qualifies with a thin cushion. Recommended a larger standby note or cash injection and a working capital line.

Lender summary

Page 1 of 1

One-page lender summary for the fictional Ridgeview HVAC acquisition
The one page that goes on top of the loan package: structure, adjusted earnings, coverage, sensitivity and risks with mitigants.

Assumptions memo

Page 1 of 2

First page of the assumptions memo
Every add-back is listed with its support. The seller's lost-customer claim is rejected, with the reason given.

Financial model

Excel, 12 tabs, fully editable

Summary tab of the Excel model
Summary tab: structure, coverage on the SBA test basis, projections and risk indicators. Every figure links to a supporting tab.
Charts tab of the Excel model showing coverage against the 1.25x minimum and coverage under stress
Charts tab: coverage by period and under stress against the 1.25x minimum.

Download the sample

The same files a broker receives, with a placeholder where your firm's name goes.

Lender summary (PDF) Assumptions memo (PDF) Financial model (Excel)