Acquisition screening for boring cash-flow businesses

Small Business Evaluator

Screen a local business before you chase the broker: normalize SDE, compare cash flow to price, stress-test debt, and decide whether the deal is an acquire, partner, sell-services, or pass.

What the evaluator checks

A practical first-pass screen for Main Street businesses where the buyer needs to know if the numbers deserve deeper diligence.

Normalize seller cash flow

Start with SDE multiple ranges, owner add-backs, replacement salary, working capital, and recurring capex so the asking price is tied to buyer cash flow.

Stress-test financing

Model SBA loan DSCR, down payment needs, seller financing terms, and downside cases before you send numbers to the broker or lender.

Score the operating upside

Separate real AI operations upside from vague growth stories: missed-call capture, admin automation, billing cleanup, marketing gaps, and review velocity.

Run the first-pass deal screen

Evaluator output

Acquire candidate

Normalized cash flow
$240,000
SDE multiple
2.97x
Annual debt service
$125,628
DSCR
1.91x
Risk score
64/100
AI upside score
85/100

Cash-on-cash after estimated senior debt service: 39%. This is a first-pass screen, not a certified valuation or lending commitment.

Save and compare deal scenarios

Buyer decision framework

Turn messy listing data into a go / no-go screen.

The goal is not a certified valuation. It is a fast evaluator that shows whether the seller story survives the first cash-flow-to-price, risk, and financing checks.

Build a lender-ready deal file

Small Business Evaluator checklist

cash-flow-to-price sanity check
SDE multiple and owner add-backs
seller financing and SBA payment scenarios
risk score for revenue concentration, owner dependence, and cyclicality
AI operations upside from repeatable admin, billing, marketing, and scheduling work
deal comparison scenarios for acquire, partner, sell services, or pass