Value my business

Know what your business is worth.

Four valuation methods. Real transaction data. The same triangulation system used by M&A professionals.

Based on 4,200+ completed transactions across 24 industries. No account required.

Your estimate uses 0 of 4 methods

How business valuation works

Professional business valuations use multiple approaches simultaneously — not as alternatives but as a triangulation system. Each method captures a different dimension of value, and the intersection of ranges establishes the negotiation zone.

The market approach uses SDE multiples from actual completed transactions. The income approach (DCF) projects future earnings and discounts them to present value. The asset approachestablishes the floor — what the tangible assets are worth independent of earnings. Revenue multiples provide a sanity check across methods. Our valuation guide covers all approaches in detail.

What moves your multiple

Key person dependency is the number one deal killer in small business acquisitions. Businesses where the owner works 55+ hours per week trade at significantly lower multiples than those with delegated operations. Customer concentration above 20% applies a discount of 1–3x EBITDA multiple points. Recurring revenue above 40% commands a premium.

These adjustments aren’t decorative — they directly move your valuation. The tool above computes each factor’s impact and shows you the dollar value of fixing it.

Understanding DSCR for SBA loans

The Debt Service Coverage Ratio measures whether a business generates enough cash flow to cover loan payments. DSCR equals annual cash flow divided by annual debt service. SBA lenders require a minimum of 1.25x, meaning $1.25 in cash flow for every $1.00 of debt payment.

After the June 2025 SBA SOP 50 10 8 rule changes, acquisition financing tightened. Zero-down deals using 100% seller financing are no longer permitted under SBA 7(a). Buyers must have equity at risk, typically 10% minimum. Read our complete SBA guide for current requirements.

Free Business Valuation Calculator — Multi-Method Analysis

Dealright provides the most comprehensive free business valuation tool available online. Using four simultaneous valuation methods — SDE multiples from 4,200+ completed transactions, discounted cash flow analysis, asset-based floor pricing, and revenue multiple cross-check — the tool triangulates a weighted conclusion with computed adjustment factors. Deal feasibility modeling shows SBA 7(a), conventional, seller financing, and all-cash structures with DSCR, monthly payments, and cash-on-cash returns.

Industry Multiples Reference (BizBuySell Transaction Data, 2021–2025)

Automotive and Boat: 3.09x SDE, 0.70x revenue. Beauty and Personal Care: 2.10x SDE, 0.53x revenue. Building and Construction: 2.62x SDE, 0.58x revenue. Communication and Media: 2.50x SDE, 0.92x revenue. Education and Children: 2.88x SDE, 0.84x revenue. Entertainment and Recreation: 2.81x SDE, 0.91x revenue. Financial Services: 2.43x SDE, 1.19x revenue. Food and Restaurants: 2.24x SDE, 0.42x revenue. Health Care and Fitness: 2.74x SDE, 0.76x revenue. Services: 2.58x SDE, 0.82x revenue. HVAC: 3.20x SDE. Manufacturing: 3.50x SDE. IT Services / MSP: 3.20x SDE, 1.10x revenue. eCommerce: 3.00x SDE. Trucking: 2.60x SDE.