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runSDE · Buyer's Guide

How to Buy Your First Small Business

The underwriting-first playbook for first-time buyers.

  • When buying beats starting
  • SDE, DSCR, multiples, concentration — explained
  • SBA 7(a), seller, and conventional financing
  • The 10 steps from LOI to close
  • Mistakes first-time buyers make — and how to avoid them
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Trusted by searchers, brokers, and investors

Know your underwrite before the seller does.

Paste a CIM, upload financials, or drop in a BizBuySell URL. runSDE turns raw deal materials into a lender-ready SBA structure, scenario model, and investor memo — in under 5 minutes.

No credit card required. 1 free deal analysis included.

Add runSDE to Chrome — Free

One-click underwrites on BizBuySell, BizQuest, Flippa & 14+ marketplaces.

How It Works

From raw listing to lender-ready memo in 3 steps

01

Paste or Upload

Drop in a BizBuySell URL, paste a CIM, upload a P&L, or enter financials manually. Our AI extracts 20+ fields automatically.

02

Instant Underwrite

runSDE computes SBA 7(a) structure, DSCR with stress tests, bear/base/bull scenarios, implied multiple, and market benchmarks — in seconds.

03

Export & Decide

Generate a lender-ready investment memo, export a PDF package, compare deals side-by-side, and move with confidence.

Core Features

Everything you need to underwrite with confidence

SBA 7(a) Structure

80/10/10 loan structure with standby note. Custom seller financing blending. See exact monthly payments and equity injection.

DSCR & Stress Tests

Base DSCR, -15%, and -25% revenue stress scenarios. Instant pass/fail against SBA 1.25x threshold.

Bear / Base / Bull

Three-scenario model with DSCR, cash-on-cash return, and payback period for each. Know your downside before you bid.

AI Investment Memo

One-click, lender-ready investment memo with executive summary, market context, risk factors, and deal recommendation.

Market Benchmarks

Implied multiple vs. P25/median/P75 for your business type. Know instantly if the seller's ask is above, at, or below market.

PDF Lender Package

Export a professional SBA lender package with cover page, deal summary, financial analysis, and memo — ready to send.

Why It Matters

Stop guessing. Start underwriting.

Most buyers spend hours in spreadsheets before they know if a deal pencils. runSDE gives you a complete SBA underwrite in minutes.

Without runSDE

  • Hours building one-off spreadsheet models
  • Guessing at market multiples
  • No stress-test scenarios
  • Memo written from scratch for every deal
  • Deals slip because you moved too slow

With runSDE

  • Complete underwrite in under 5 minutes
  • Market benchmarks built in
  • Bear/base/bull + DSCR stress tests automatic
  • AI-generated, lender-ready investment memo
  • Move on the best deals before competitors

Who It's For

Built for serious acquisition professionals

Self-Funded Searchers

Screen 10x more deals. Know your DSCR and capital stack before the LOI.

M&A Brokers & Advisors

Generate lender-ready packages in minutes. White-label PDFs for your clients.

Franchise Buyers

Analyze FDD Item 19 data. Compare unit economics across brands.

Search Fund Investors

Standardized underwriting across your portfolio. Compare deals apples-to-apples.

What You Get

A complete underwrite in one screen

Sample Analysis

Brooklyn Laundromat — $425K Ask

SBA Pass

Asking Price

$425,000

Normalized SDE

$185,000

Implied Multiple

2.30x

Base DSCR

2.29x

SBA Loan (80%)

$340,000

Equity (10%)

$42,500

Standby Note (10%)

$42,500

ScenarioAdj. SDEDSCRCoC Return
Bear (-15%)$157,2501.95x80.6%
Base$185,0002.29x117.6%
Bull (+10%)$203,5002.52x143.5%

Real output from the runSDE onboarding demo. Based on public BizBuySell listing data.

Built for Reliability

Underwriting you can trust

20+

Real deals validated against SBA lender expectations

80/10/10

Standard SBA 7(a) structure with full seller financing support

14+

Marketplace integrations via Chrome extension

Pricing

Start free. Upgrade when you're ready.

Free

$0forever

Try one deal

Start Free

Searcher

$99/mo

10 deals, full export

Start Trial
Most Popular

Pro

$299/mo

Unlimited + pipeline

Go Pro

Team

$999/mo

Multi-seat, shared lib

Contact Sales

All paid plans include AI memos, PDF export, and market benchmarks. See full comparison →

Frequently Asked Questions

What types of deals does runSDE support?

Cash-flow small businesses (laundromats, car washes, self-storage, restaurants, service businesses) and franchise resales. If it has an asking price and revenue, runSDE can underwrite it.

How accurate is the SBA underwriting?

Our engine has been validated against 20+ real deals with DSCR accuracy within 3% and dollar amounts within 1%. We use the standard SBA 7(a) 80/10/10 structure with configurable seller financing.

Can I use this for SBA loan applications?

runSDE generates lender-ready investment memos and PDF packages. While not a substitute for formal financial diligence, it gives you the same structure lenders expect to see.

What's the Chrome extension?

The runSDE extension lets you analyze BizBuySell, BizQuest, Flippa, and 14+ marketplace listings with one click. It extracts the financials from the listing page and runs the full underwrite automatically.

Is my deal data private?

Yes. Your deals are only visible to you. We use anonymized, aggregate data to compute market benchmarks — no individual deal data is ever exposed to other users.

Can I cancel anytime?

Yes. No long-term contracts. Downgrade or cancel from your account settings at any time.

Doing real estate deals?

runSDE covers cash-flow businesses. For commercial real estate, try our sister product REDA.

Visit ai-reda.com →

Ready to underwrite your next deal?

Join searchers, brokers, and investors who use runSDE to make faster, more confident acquisition decisions.

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