Business Valuation Readiness Planner
Estimate a main-street business value using seller discretionary earnings, multiple range, owner replacement salary, working-capital adjustment, debt capacity, seller note, and buyer cash-at-close assumptions.
Quick answer: Estimate a main-street business value using seller discretionary earnings, multiple range, owner replacement salary, working-capital adjustment, debt capacity, seller note, and buyer cash-at-close assumptions. Enter revenue, net profit, add-backs, and buyer salary to personalize the estimate. It returns SDE, valuation range, and working-capital adjusted value so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.
This business models at $748,000 after working-capital adjustments, with a buyer DSCR of 1.74.
Prepare normalized financials, add-back documentation, working-capital schedule, and lender package.
Low case is $517,000; target is $658,000; high case is $799,000.
Seller note is $74,800; buyer down payment is $112,200; acquisition debt is $561,000.
Buyer cash flow before debt is $155,000; monthly debt payment is $7,414; value is 0.94x revenue.
Compare business loan rates ->
- 1
Normalize seller earnings
Separate defensible add-backs from expenses a buyer must keep paying.
- 2
Check buyer debt capacity
Use DSCR to test whether financing supports the target price.
- 3
Prepare sale materials
Document working capital, inventory, customer concentration, and recurring revenue before listing.
This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
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Reviewed Aug 9, 2026 · Methodology
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Why This Matters
Business Valuation Readiness Planner helps users make a loans & credit decision with clearer numbers, assumptions, and next actions.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
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