This representative SBA Acquisition Lender Decision Support Summary illustrates how Business Valuation Advisors brings independent valuation and Quality of Earnings findings together into a concise, lender-focused executive view.
The summary is designed to help underwriting teams quickly understand the relationship among negotiated purchase price, independently concluded business value, tested historical earnings, operating funding requirements, and material diligence findings. Financeability and the final credit decision remain determinations of the lender.
What the sample includes:
• $3.45 million illustrative business purchase price
• $3.40 million independent business value
• $50,000 purchase-price-to-value gap
• $742,000 illustrative lender-use EBITDA
• Three-period Cash Proof status and earnings reliability
• Seller-adjusted EBITDA bridge and normalization findings
• $390,000 illustrative post-closing working-capital requirement
• $150,000 illustrative minimum operating cash requirement
• $70,000 illustrative annual maintenance CapEx
• Revenue quality and customer concentration indicators
• High, moderate, and positive lender findings
• Coordinated view of valuation, QoE, operating funding, and transaction considerations
• Clear distinction among price, value, and financeability
The company, transaction, financial information, and conclusions shown in this summary are fictional and were created solely to demonstrate BVA’s analytical approach and reporting format. This sample does not relate to an actual client or transaction and does not constitute SBA approval, endorsement, a credit decision, or a guarantee of governmental or lender acceptance.
Download the Sample SBA Acquisition Lender Decision Support Summary (PDF)
