Most Main Street businesses are bought with an SBA loan. Enter your profit and see the purchase price a buyer could realistically finance for a business like yours — and whether that price would actually clear a lender.
It's common for a buyer to want to pay a certain price — but the bank orders its own valuation, and the loan still has to cover its payments (the DSCR). If the appraisal comes back lower, or the cash flow won't service the debt, the deal won't close on those terms. It's great that you believe your business is worth a number, and great if a buyer agrees — but the financing has to agree too.
Size and sell-readiness decide whether you're at the top of the range or below it — and both are fixable before you go to market. Book a free Exit Readiness Call → to see where your business really stands.
For general education only — not a business valuation, appraisal, financing commitment, or offer. Applies standard SBA 7(a) acquisition math (10-yr term; ~5% allowance for closing costs and the SBA guaranty fee) to the figures you enter; it does not verify your SDE and is not a lending decision. The "healthy" 3.25–3.75× band reflects Pre-Sale Prep's market analysis and typical lender valuations; deals above it carry more appraisal risk. Confirm everything with a qualified advisor and SBA lender.