Most Main Street businesses are bought with an SBA loan. Enter your profit and see two numbers: what businesses your size typically list for, and the most a buyer's SBA financing could support. The distance between them is worth knowing before you go to market.
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 "typical" range shown scales with your SDE and reflects the 25th–75th percentile of asking multiples for businesses near your size, from Pre-Sale Prep's Main Street Market Report (asking multiples typically run higher than closed-sale multiples). The financeable figure is a cash-flow ceiling on standard terms, not a prediction or a promise of price. Confirm everything with a qualified advisor and SBA lender.