Business Valuation Calculator
ValuationIQ™ estimates what a small business is likely worth using SDE, conservative industry multiples and the three risks buyers discount most. Estimates only — not an appraisal.
Results are estimates only — not an offer, approval or commitment to lend.
VALUATIONIQ™
What is the business likely worth?
A multi-method benchmark built on seller’s discretionary earnings (SDE), industry multiples and the three risks buyers discount most. Illustrative estimate only — not an appraisal.
1. Pick the industry
Small businesses sell for a multiple of SDE, not revenue. Your industry sets the starting range.
2. Enter revenue & SDE
SDE = net profit plus one owner’s pay and provable add-backs. Use tax-return figures, not bank deposits.
3. Score the 3 risks
Be honest: owner reliance, client concentration and messy books are what buyers discount most.
4. Use the result
Read the value range, email yourself a printable memo, then test the debt in Rubicon.
MOST PROBABLE MARKET VALUE
$780,000
2.60× SDE · 0.52× revenue · 20% SDE margin
Liquidation floor
$507,000
Strategic premium ceiling
$1,053,000
Value drivers
- Owner dependencyTransferable operations support the price.+$0
- Customer concentrationDiversified revenue improves marketability.+$0
- Financial cleanlinessClean books shorten diligence.+$0
Capital bridge · illustrative SBA 7(a) profile
Buyer equity (≈10%)
$78,000
Financed portion (≈90%)
$702,000
SBA programs apply to eligible U.S. businesses; Canadian purchases use different programs. A lender decides structure, equity and approval.
ValuationIQ™ produces educational estimates from the figures you enter. It is not a certified appraisal (ASA, CVA or similar), a fairness opinion, tax or legal advice, or an offer or commitment to lend. Actual value depends on diligence, deal terms and market conditions. SBA-financed purchases generally require an independent business valuation by a qualified appraiser.
Every figure above is an estimate for planning only, not an offer. Actual terms depend on lender review of your business. Business-purpose financing only; no credit pull to explore.
Frequently asked questions
- How does the ValuationIQ™ business valuation calculator work?
- It multiplies your seller’s discretionary earnings (SDE) by a conservative industry multiple band, then adjusts within that band for owner dependency, customer concentration and the quality of your financial records.
- What is SDE?
- Seller’s discretionary earnings is net profit plus one owner’s salary, interest, depreciation, documented personal expenses run through the business and true one-time costs. Only add-backs you can prove count.
- Is this an appraisal?
- No. Results are educational estimates, not a certified appraisal, fairness opinion or offer to lend. SBA-financed purchases generally require an independent valuation by a qualified appraiser.
- Can I use it for a Canadian business?
- Yes. Switch the currency to CAD. SBA programs apply only to eligible U.S. businesses; Canadian purchases use different financing programs.
- What should I do after I get a value?
- Send the estimate into the Rubicon Acquisition Gauge™ to check whether the business’s cash flow can carry the acquisition debt after the owner’s salary.
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our strategic network of certified partner financial institutions, proprietary institutional investors, or specialized asset lenders. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.