The Closing Binder
Deal AnalyzerPrice, seller note, equity, and DSCR modeled under SOP rules7(a) Payment CalculatorMonthly payment, total interest, and guaranty fee on a 7(a)504 Payment CalculatorBlended payment across the bank and CDC halves of a 504DSCR CalculatorCoverage ratio from your cash flow and annual debt serviceEquity Injection CheckerCash down required to clear the SOP injection rulesTake-Home CalculatorOwner take-home after debt service, federal, and state taxes
Lenders rankedEvery acquisition lender, ranked by loans in the windowBy stateOne page per state, with its most active lendersCharge-off ratesHow each lender's acquisition loans actually performedFranchisesWhich brands are financeable, and the loan data behind them
DealsRatesBlogRules
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Tools

  • Deal AnalyzerPrice, seller note, equity, and DSCR modeled under SOP rules
  • 7(a) Payment Calculator
  • 504 Payment Calculator
  • DSCR Calculator
  • Equity Injection Checker
  • Take-Home Calculator

Financing

  • Lenders rankedEvery acquisition lender, ranked by loans in the window
  • By state
  • Charge-off rates
  • Franchises

Site

  • Deals
  • Rates
  • Blog
  • Rules
Appearance
Run your deal
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Disclosure

Last updated August 15, 2026

How this site makes money today

It does not. The Closing Binder currently participates in no affiliate programs, runs no advertising, accepts no paid placements, and receives no compensation from any lender, broker, or vendor mentioned anywhere on the site. Every tool and every article on it is free to use.

What may change

Lender referral partnerships may come later. If and when they do, this page will say exactly which relationships exist and how they pay, referral links will be labeled where they appear, and the change will be dated. Until this page says otherwise, no link on the site pays us anything.

What will not change

The lender rankings are computed from the SBA 7(a) FOIA file, a public federal dataset, using a published methodology. No lender can pay to appear in them, move up in them, or stay out of them. Any future partnership will sit beside the data, never inside it.

Questions

If anything here seems out of step with what you see on the site, write to hello@theclosingbinder.com and we will fix the page or the site, whichever is wrong.

The Closing Binder

Buying a business, told through the financing.

Free deal tools, lender rankings computed from the federal loan file, and every rule change that decides whether your acquisition closes. Written from the buyer's chair.

Tools

  • Deal Analyzer
  • 7(a) Payment Calculator
  • 504 Payment Calculator
  • DSCR Calculator
  • Equity Injection Checker
  • Take-Home Calculator

Financing

  • Lenders ranked
  • By state
  • Charge-off rates
  • Franchises

Site

  • Deals
  • News
  • Rates
  • Blog
  • SOP Tracker
  • Glossary
  • About
  • Methodology

Legal

  • Privacy
  • Terms
  • Disclosure
  • Contact

Process documentation and education only, never individualized financial advice.All loan figures from the SBA 7(a) FOIA file, June 30, 2026 cut.© 2026 Ground Plane Studio, LLC