Free tool
Pre-filled from listing: 5+ year-old Luxury Art Marketplace with 40,000 pieces including Picasso, Warhol, Miro, Dal, & more (over 90M EUR in inventory) - Priced at 2.97x Revenue
Valuation metrics
Graded against Other benchmarks (Blended conservative defaults for unclassified industries). Green = at or below median, yellow = median to high, red = above high range.
EV / EBITDA
—
4.5x median
EV / Revenue
2.66x
0.6x median
EV / SDE
47.89x
3.5x median
EBITDA Margin
—
20% healthy
DSCR (base)
0.14x
1.25x lender min
Annual Debt Svc
$621,123
base scenario
Yr1 Owner Cash
-$532,119
SDE minus debt svc
Cash-on-Cash
-124.8%
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%
Below lender threshold
Deal structure
Equity return projections
MOIC
0.00x
Actual IRR
0.0%
Below targetRequired exit multiple to hit 20% IRR
30.5x
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.
