{"id":11772,"date":"2023-02-14T18:04:12","date_gmt":"2023-02-14T18:04:12","guid":{"rendered":"https:\/\/www.sunbeltnetwork.com\/west-palm-beach-fl\/?p=11772"},"modified":"2023-03-22T12:51:42","modified_gmt":"2023-03-22T12:51:42","slug":"battle-for-supremacy-sde-ob-versus-underwriting-cash-flow","status":"publish","type":"post","link":"https:\/\/www.sunbeltnetwork.com\/west-palm-beach-fl\/battle-for-supremacy-sde-ob-versus-underwriting-cash-flow\/","title":{"rendered":"BATTLE FOR SUPREMACY: SDE\/OB VERSUS UNDERWRITING CASH FLOW"},"content":{"rendered":"<p><span class=\"Apple-converted-space\">\u00a0<\/span>The calculation of Seller\u2019s Discretionary Income or Owner Benefit is not the same as what SBA lenders use for Underwriting Cash Flow (UCW). This matters because UCW determines how much SBA money a buyer can borrow towards the purchase of a business.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>UCW is the starting point of every SBA acquisition, can make it or break it, and determines how much equity a buyer will need (10%, 15%, or 20% for example).<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>So what is it exactly?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Underwriting Cash Flow<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Here\u2019s the most basic calculation of UCW:<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>EBITDA + Owner Salary (W2 or Management Fees)<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>There are no other addbacks in the basic equation other than what comes directly off the tax return (EBITDA and Owner Compensation). None! This number is almost always less than the calculation of SDE\/OB. Remember this as you field questions from buyers and lenders who say cash flow is only \u201cX\u201d.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Next we have to assume the Buyer will take money out of the business, which we call a buyer draw:<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>EBITDA + Owner Salary (W2 or Management Fees) \u2013 Buyer Draw<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>Have questions? Call, text, or email and let\u2019s discuss!<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Last, we will divide UCW by the loan payments which gives us a ratio (more formally \u201cDebt Service Coverage Ratio\u201d, a term you may have heard before):<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>EBITDA + Owner Salary (W2 or Management Fees) \u2013 Buyer Draw<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p><b>SBA 7a loan payments for 12 months<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p>\n<p>Mystery solved! This is the first thing underwriters calculate when they look at a deal.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>In the next installment we\u2019ll modify the equation even more, discuss the specific components, and I\u2019ll show you how one buyer can be declined, while another can be approved, for the exact same business.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>wtinsley@firstib.com<\/p>\n<p>(561) 802-1037<\/p>\n<p>-Will Tinsley<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0The calculation of Seller\u2019s Discretionary Income or Owner Benefit is not the same as what SBA lenders use for Underwriting Cash Flow (UCW). This matters because UCW determines how much SBA money a buyer can borrow towards the purchase of a business.\u00a0 UCW is the starting point of every SBA acquisition, can make it or [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11761,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-11772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling-a-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BATTLE FOR SUPREMACY: SDE\/OB VERSUS UNDERWRITING CASH FLOW - Sunbelt of South Florida<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sunbeltnetwork.com\/west-palm-beach-fl\/battle-for-supremacy-sde-ob-versus-underwriting-cash-flow\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BATTLE FOR SUPREMACY: SDE\/OB VERSUS UNDERWRITING CASH FLOW - 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