{"apiVersion":"2026-10-19","data":{"disclaimer":"Educational. Not legal, tax, or financial advice.","version":"2026-10-19","calculator":{"name":"deal_structure","title":"Deal structure","version":"2026-10-19","description":"Buyer cash, seller note, contingent earnout, equity roll, and the SBA loan that fills the rest. Earnout is outside the loan.","vectors":[{"name":"deal_structure","input":{"price":1000000,"buyerCash":100000,"sellerNote":150000,"sellerNoteRate":0.06,"sellerNoteYears":7,"standbyYears":2,"standbyMode":"interest_only","earnout":50000,"equityRoll":50000,"sbaRate":0.105,"sbaYears":10,"cashFlow":240000},"output":{"sbaLoan":650000,"sourcesSum":1000000,"balanced":true,"shortfall":false,"cashToSellerAtClose":750000}}]}}}