The person buying an existing small business in the United States: a dentist buying a practice or buying in, a first owner buying a laundromat or a restaurant, or anyone buying an established business and keeping the deal in a spreadsheet and an email threadNot the seller, not a broker or M&A advisor, not a startup founder working a cap table, not a lender's customer comparing loans, not a franchise buyer and not a person buying a house
The person buying an existing business in the United States gets the same two answers late: what the purchase really costs at the keys and every month after, and what is still missing from the pile of documents the seller promised. Keysvo is two free worksheets and one paid register for that buyer, whether the business is a dental practice, a laundromat, a restaurant or an unnamed established business. The acquisition cost calculator takes the price, the SBA 7(a) share, the seller note, working capital, closing costs and the seller's earnings and returns the cash you need at the keys, the monthly payments on both notes and what is left after your own pay. The checklist sheet takes one target's price, collections, patients and the documents requested and received and returns the price ratios, the items outstanding and the days you have to chase them. Both compute in the page with no account.
Keysvo Pro is $14 per month for you and everyone working the purchase with you, billed monthly.
How to buy an existing business with no money
Turn the price, the SBA share, the seller note, working capital and closing costs into the cash you need at the keys, the monthly payment on each note and what the seller's earnings leave you after your own pay, from your own figures.
Open the How to buy an existing business with no moneyThe price, the paper, the register
An asking price is not what a purchase costs. The bank's share, the seller's note, working capital and closing costs decide the cash you bring, and the two notes decide what the business has to earn every month. Keysvo works both from your own figures and keeps each version you tried.
Due diligence fails by drift: the seller sends fifteen of twenty-four documents and the rest slip until the week before closing. The register lists each item, the date it was asked for and the date it arrived, and counts the days left so the chase happens in week two rather than week eight.
Most purchases live in an inbox and one spreadsheet that only the buyer understands. Pro keeps the sellers, the targets, the offers and counters, the lender and the closing date together, with a reminder before each date, so the people helping you see the same file you do.
If you want someone to find the business, negotiate the price and run the closing for a fee taken from the deal, hire a buy-side broker or an M&A advisor and use this site for the arithmetic they will ask you for. Keysvo is for the buyer who is doing the work: costing the target, chasing the documents, talking to the lender, and needing the file kept straight. It is priced for that and does nothing else.
| Keysvo | A buy-side broker or M&A advisor | |
|---|---|---|
| What you pay | $14 a month, flat, for you and everyone helping you, however many targets you cost | A retainer or a success fee taken as a share of the purchase price at closing |
| Who does the work | You do, with the sums and the list kept for you | They do, on the targets they bring you |
| What is free | Both sheets, the whole calculation, no account and no limit | An introductory call; the rest is engagement terms |
| Your data afterwards | Export every target, offer and diligence item at any time and for 90 days after you cancel | The deal file is theirs; you keep what they send you |
Broker and advisor fees are quoted per engagement and are not repeated here. The only external figures on this site are SBA 7(a) program terms read on 2026-09-05 from the U.S. Small Business Administration (sba.gov): a maximum loan of $5 million and a maximum maturity of ten years for a purchase without real estate, or 25 years where real property is acquired, each recorded in research/data/claims.tsv with its retrieval date.
Free to use. No account, no card, no trial clock.
The sheet costs one target today. Pro keeps the targets, the offers, the diligence list and the lender's dates side by side, so the second practice you look at is compared with the first instead of costed from scratch.
$14 per month, whole team
Keysvo Pro is $14 per month for you and everyone working the purchase with you, billed monthly. Billed monthly. Cancel any time from your account page. Price and renewal terms are shown before checkout.