Gary | Business Deal Analyzer Calculator

About

Gary analyzes every BizBuySell listing automatically, no spreadsheets, no manual entry.

── WHAT IT DOES ──

On every search results page, Gary overlays a scorecard on each listing showing:
• Deal verdict: Strong / Borderline / Tough
• SDE Multiple (asking price ÷ seller's discretionary earnings)
• DSCR (debt service coverage ratio)
• Estimated monthly cash flow after debt
• Required down payment

On every listing detail page, Gary builds a full deal breakdown:
• Deal Overview — SDE multiple, revenue multiple, CF margin, monthly SDE
• Capital Structure — sources and uses, down payment, working capital, closing costs
• Debt Service — monthly bank payment, after-debt cash flow, payback period
• Industry Benchmarks — how the deal compares to sector norms
• Exit Value — projected IRR, return multiple, year-by-year growth scenarios

── STRONG DEALS ONLY FILTER ──

One checkbox turns 1,400 listings into 20 qualifying deals. Gary hides Borderline and Tough listings so you only see what's worth your time. (Pro feature)

── FULLY CUSTOMIZABLE ──

Adjust every assumption in the settings panel:
• Bank rate, term, and down payment %
• Seller financing amount, rate, and term
• Working capital %, LOC rate, closing costs
• Owner salary, hold period, exit multiple, growth scenario

── FREE TIER ──

Every user gets the search results scorecard and the Deal Overview section on listing pages — completely free, no account required.

── PRO ──

Upgrade to Pro to unlock Capital Structure, Debt Service, Industry Benchmarks, Exit Value, and the Strong Deals Only filter.