SBA Business Valuations For Any Type of Business

SBA Business Valuation Report

Providing easy to read reports in a timely manner at reasonable prices

We work with several banks and non-bank SBA lenders across the country providing SBA compliant reports for 7(a) loans. Our goal is to provide reports that are simple for the reader to understand for a reasonable price. The best part...reports are turned around in 5 business days after receipt of all financials. All reports arrive at a Conclusion of Value. 



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According to the current Small Business Administration Standard Operating Procedure:

“If the amount being financed (including any 7(a), 504, seller, or other financing) minus the appraised value of real estate and/or equipment is greater than $250,000 or if there is a close relationship between the buyer and seller (for example, transactions between family members or business partners), the lender must obtain an independent business valuation from a qualified source.”

An SBA compliant business valuation should arrive at a conclusion of value (not a less detailed calculation of value) and have include the following items:
  • The individual’s opinion of value
  • Qualifications of the individual performing the valuation
  • Individual’s signature certifying to the information contained in the valuation.
  • Identify whether the transaction is an asset purchase or stock purchase and be specific enough for the individual performing the business valuation to know what is included in the sale (including any assumed debt)
  • Introduction and Background of the economy
  • Economic Review and Outlook – this includes national/state/local analysis
  • Industry Review and Outlook
  • Financial Review, Financial Ratios and Projections
  • Valuation Methods – Market, Income, and Asset-Based Approaches
  • Appendix
In order for the individual performing the business valuation to identify the scope of work appropriately, the business valuation must be requested by and prepared for the lender. The lender may not use a business valuation prepared for the applicant or the seller. The cost of the valuation may be passed on to the Small Business Applicant.

Lender must obtain a copy of the financial information relied upon by the individual who performed the business valuation and verify that information against the seller’s IRS transcripts to ensure the accuracy of the information.

Vendor Approval Packet

For a vendor approval packet that includes a CV, sample report, valuation checklist, and errors and omissions insurance policy, click here

Business Valuation Checklist
For a list of items we need to complete the valuation, click here


SBA Business Valuation Report