Question 1

What does this estimator actually do?

Accepted Answer

The estimator asks two questions — the funeral home's annual SDE (seller's discretionary earnings) and your available down payment — and returns the financing structure most likely to fit your deal (standard SBA 7(a), SBA 7(a) with a seller note, or a recommendation to build more equity first) along with an illustrative interest-rate range. It does not pull credit, does not collect personal information, and does not return a binding offer.

Question 2

Will this estimator affect my credit?

Accepted Answer

No. The estimator only asks about cash flow and down payment — it does not request your name, SSN, or any credit-identifying information, and nothing in the estimator touches your credit file. The first credit-bureau interaction happens later, on the full application.

Question 3

Is the estimator the same as applying?

Accepted Answer

No. The estimator is a fit check, not an application. You see the recommended financing structure and a typical rate range, but you do not receive a soft approval, a lender shortlist, or a term sheet. Those come from the full application at /apply.

Question 4

What data does the estimator collect?

Accepted Answer

Two data points — annual SDE range and down-payment percentage range. No name, no email, no phone number, no SSN. The estimator is designed to give you a useful answer with the minimum information possible. Contact details are only collected on the application.

Check your funeral-home loan fit.