Tool

Business Valuation Calculator

Estimate business value from SDE or EBITDA multiples, then test buyer cash, seller notes, bank debt, and DSCR before negotiating an acquisition.

Annual SDE / seller discretionary earnings SDE multiple Annual EBITDA EBITDA multiple Inventory / equipment adjustment Cash included in sale Debt or liabilities assumed Target working capital Working capital delivered Closing / advisory costs Buyer cash available Proposed bank loan Bank loan annual rate % Bank loan term months Seller note amount Seller note annual rate % Seller note term months Annual cash flow for DSCR Target DSCR

Use valuation and debt capacity together

A headline multiple is only the first screen. Buyers still need to adjust for working capital, cash, debt, closing costs, available equity, seller financing, bank debt, and DSCR. Use this estimate before comparing terms with the business acquisition loan calculator, SBA 7(a) loan calculator, business loan affordability calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not replace appraisal, quality of earnings work, lender underwriting, tax advice, legal advice, or business broker valuation guidance.