Conservative
20% down · 10y term · 11.5%
Below lender threshold
Free tool
Pre-filled from listing: Salesforce Consulting & Managed Services
Valuation metrics
Graded against Professional Services benchmarks (Prof. Services, Staffing, Cleaning, Pest Control, Home Services, Security, Env., Landscaping; IBBA Q4 2024). Green = at or below median, yellow = median to high, red = above high range.
EV / EBITDA
14.22x
5.5x median
EV / Revenue
2.49x
0.9x median
EV / SDE
9.70x
4.0x median
EBITDA Margin
17.5%
30% healthy
DSCR (base)
0.71x
1.25x lender min
Annual Debt Svc
$1,238,703
base scenario
Yr1 Owner Cash
-$362,630
SDE minus debt svc
Cash-on-Cash
-42.7%
15% = pos
Business quality
Three scenarios
20% down · 10y term · 11.5%
Below lender threshold
Realistic case
10% down · 10y term · 10.5%
Below lender threshold
10% down · 25y term · 10%
Tight margin
Deal structure
Equity return projections
MOIC
0.00x
Actual IRR
0.0%
Below targetRequired exit multiple to hit 20% IRR
6.2x
What this tells you
DSCR is annual cash flow divided by annual debt service. Lenders want to see at least 1.25x to underwrite the loan comfortably. Below 1.0x means cash flow does not cover the payment.
Rates approximate prime-based variable bank debt as of June 2026. Calculator state is encoded in the URL so any scenario can be shared or bookmarked.
AI underwriting
Streams a 7-section writeup: Verdict, Valuation Assessment, Financing analysis with stress tests, Owner Economics, Key Risks, Negotiation Leverage, and Due Diligence Priorities. Uses available inputs only; missing data is noted, not invented.