DealBrain by Biz Checkout · AI deal coach

Know if you can buy it before you call the seller

DealBrain is a private deal coach for anyone thinking about buying a small business. Answer 6 quick questions and get a free read in about 2 minutes: what you might pay out of pocket, how the price could be covered, and whether the business can carry the debt after you get paid.

Preview with DealBrain

Free preview. Then $299 per deal, one time, if you want the full read. Not a subscription.

Private to you
No credit pull
Works on any business, listed here or not

Estimates only. Not a loan offer, and not legal, tax, or financial advice.

Finding a business is easy. Getting from "I want it" to an offer you can fund is the hard part.

Most people who want to buy a business stall in the same four places. DealBrain was built for that gap, and it is built first for people doing this for the first time.

The gap

What it feels like

What DealBrain does about it

Money

What it feels like"The asking price is more than I have. I assumed that ends it."

What DealBrain does about itShows how the price could be covered, in a set order: cash and what the business itself can fund (its own cash, plus loans against its equipment and inventory) come first. Business credit and partners come next. A seller note covers only what is left. SBA is the last resort. You see an estimated out-of-pocket range, not a promise.

Experience

What it feels like"I have never done a deal. I don't know what a fair price is or what to ask."

What DealBrain does about itChecks the asking price against a fair range for the industry, scores the deal out of 100, and names one opportunity and one watch-out. After the unlock, it gives you one next move at a time and writes the message to send the seller.

A team

What it feels like"Buyers have lawyers, lenders, and accountants. I have a browser."

What DealBrain does about itPoints you to the next person you need: one Murr Capital application that reaches 75+ lenders when the numbers call for it (Murr Capital is a sister company of Biz Checkout), and Biz Checkout's directory of attorneys, CPAs, and other specialists. Draft documents come filled with your deal's numbers, ready for your attorney to review.

Structure

What it feels like"Equipment loans, seller notes, coverage ratios. I don't know how the pieces fit."

What DealBrain does about itTests 12 funding strategies against the deal and tells you which could fit and why. It checks whether the cash flow can carry the debt after your own pay, and flags "Needs a funding plan" when part of the price still has no source.

How DealBrain works

1
Pick a business. Open any listing on Biz Checkout and tap the DealBrain card, or enter a business you found somewhere else: name, type, city, asking price, and yearly cash flow if you have it. You can also paste what the seller sent you.
2
Answer 6 quick questions about you. Your rough credit range (we never pull your credit), the cash you could put in, the pay you'd want from the business, your plan for your current job, whether you have a partner, and whether you already own a business or an LLC.
3
Get your free preview. An estimated out-of-pocket range, how the price could be covered, monthly profit against estimated debt, coverage after you get paid, a fair-price check, and a deal score out of 100.
4
Keep going if the deal is worth it. Unlock the full read on that one deal for ongoing coaching, document scan, and draft offer documents.

If the asking price or cash flow is missing, DealBrain stops and helps you get the number. It does not make one up.

Free preview first. Pay only for the deals worth pursuing.

Free preview

Estimated out of pocket (a range, closing costs only)
How the price could be covered, in funding order
Monthly profit, estimated debt, and coverage after your pay
Fair price check against industry multiples
Deal score out of 100
How many of 12 funding strategies could fit
One opportunity and one watch-out
A few free coaching replies

Full read: $299 per deal, one time

Ongoing coaching on this deal, one move at a time
Messages written for you to send the seller
Document scan: upload a seller email, a P&L, or a term sheet, and DealBrain reads the terms it can see
Funding plan and coverage that update as the terms change
Draft documents filled with your deal's numbers, each labeled "Draft template for attorney review; not legal advice": Letter of Intent, Seller Financing Cooperation Agreement, Seller Promissory Note, and after the offer, a Security Agreement and Stock Pledge plus a Stock Purchase Agreement outline

The $299 is per deal and one time. It is separate from the Starter, Premium, and Pro plans.

It starts with what the business can fund, not with your savings

DealBrain does not start with an SBA loan and your savings. It works through the money in this order:

1
Cash and what the business can raise. Extra cash already in the business, and loans against its equipment and inventory through Murr Capital lenders.
2
Business credit and partners. Credit under your new company when your credit is ready, and a partner if you have one. Business credit often needs a personal guarantee, promo rates end, and the balance has to be paid from the business's cash flow, so DealBrain only counts it when the numbers can carry it.
3
A seller note, only for what is left. Sized to the gap, not to a preset percentage, and only once the seller has said what they will accept.
4
SBA last. DealBrain checks SBA eligibility as a last resort. An SBA loan needs a cash down payment, so it is not a low-cash path.

Whether any of this works depends on the business, the seller, and the lender. DealBrain shows you the path to ask about. It does not promise one.

Built for first-time buyers. Open to anyone buying a business.

First-time buyers who have a job, some savings or none, and no deal team.
Repeat buyers who want a fast first read before spending money on diligence.
Owners and sellers who want to buy their next business.

Any signed-in Biz Checkout account can use it. On your own listing, you won't see it.

Private to you. Honest about the numbers.

The seller never sees DealBrain.
We never pull your credit. You pick a range.
Every number comes from a fixed set of deal rules. AI writes the coaching and reads your documents, and each reply is checked against the numbers before you see it.
Estimates only. Not a loan offer, and not legal, tax, or financial advice.

Common questions

Is DealBrain free?

The preview is free. If you want ongoing coaching, document scan, and draft documents on a deal, it is $299 per deal, one time. Not a subscription.

Is the $299 part of a Biz Checkout plan?

No. It is $299 per deal, one time, separate from the Starter, Premium, and Pro plans.

Can I really buy a business with no money down?

Sometimes a deal can be funded with little of your own cash, and sometimes it can't. DealBrain shows how the price could be covered for that specific business and flags it when part of the price still has no source. It does not promise a down payment amount.

Does DealBrain check my credit?

No. You pick a rough credit range. DealBrain never pulls your credit.

Does the seller see my DealBrain results?

No. DealBrain is private to you. The seller never sees it.

Can I use it on a business that isn't listed on Biz Checkout?

Yes. Enter the business name, type, city, asking price, and yearly cash flow if you have it. You can paste the listing or the seller's email too.

Is DealBrain a lender?

No. DealBrain is not a lender and does not make loan offers. When the numbers call for it, it points you to one Murr Capital application that reaches 75+ lenders. Murr Capital is a sister company of Biz Checkout.

Does DealBrain give financial or legal advice?

No. It gives estimates and draft documents for your attorney to review. It is not legal, tax, or financial advice.

Is it AI?

DealBrain is an AI deal coach. The numbers come from fixed deal rules. AI writes the coaching replies and reads the documents you upload, and every reply is checked against the numbers.

Is DealBrain in the Biz Checkout app?

Not yet. Use it on bizcheckout.com in your phone or computer browser.

Do I have to be a first-time buyer?

No. It was built with first-time buyers in mind, and anyone with a Biz Checkout account can use it.

Check the deal before you make the call

Preview with DealBrain

Free preview. Private to you. No credit pull.