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Run the arithmetic on asking price, SDE, add-backs, loan payments, and leftover owner pay before you make an offer.
Divide the asking price by seller’s discretionary earnings (SDE) to see the multiple, compare it with an adjusted SDE, and view implied values at 2× to 3.5×.
Estimate a 10-year SBA 7(a)-style loan payment, debt-service coverage (DSCR), and what’s left for the owner after a market wage. Planning figures only, not a loan quote.
List the seller’s add-backs and mark each as legit, needs proof, or a red flag. See a recast SDE that excludes personal and unproven items.
Multiply recast SDE by a low and high multiple to see a value range. Starting defaults follow BizBuySell’s published sector-average band and are fully adjustable.
See how much cash is left for you after an estimated loan payment and a market-rate wage for a working owner or manager.
Every calculator runs in your browser. Nothing is stored. Each result links to a full red-flag check if you have the P&L.
Disclaimer. Deal Check is not financial, legal, or accounting advice. These pages and calculators are educational planning tools and can miss context. Verify every number with a CPA and a business broker, and do your own due diligence before making an offer.