Closure leases & assets
Business Sale Net Proceeds Worksheet
Estimate cash available at closing after debt payoffs, costs, holdbacks and an adviser-provided tax reserve.
How to use this calculator
- Gather offer price; debt payoff quotes; transaction costs; holdbacks; estimated taxes. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review cash at closing; deferred proceeds; debt gap. Open the breakdown and export a copy for discussion.
How the calculation works
Closing cash subtracts debt, costs, deferred proceeds and tax reserve from gross price. Potential later cash adds the holdback back without assuming it will be released.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Cash available at closing
- $180,000.00
- Potential cash including later holdback
- $230,000.00
- Closing funding shortfall
- $0.00
- Deferred or conditional proceeds
- $50,000.00
Questions about the results
What does this tool include?
Estimate cash available at closing after debt payoffs, costs, holdbacks and an adviser-provided tax reserve. Closing cash subtracts debt, costs, deferred proceeds and tax reserve from gross price. Potential later cash adds the holdback back without assuming it will be released.
What should I verify before relying on the result?
No business valuation or tax liability is calculated. Confirm purchase-price allocation, payoff releases and conditions on deferred proceeds.
What this result does and does not tell you
No business valuation or tax liability is calculated. Confirm purchase-price allocation, payoff releases and conditions on deferred proceeds.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.