Business Inputs
$500,000
20%
3x
Valuation Breakdown
EBITDA
$100K
Valuation
$300K
Revenue Multiple
0.6x
Monthly Cash Flow
$8.3K
Typical Down Payment
$45K
SBA Monthly Payment
$3.0K
SBA estimate assumes 7.5% rate, 10-year term, 85% financed. Actual terms vary.
CHRIS'S TAKE
Most boring businesses sell for 2-4x EBITDA. The multiple goes up with recurring revenue, low owner-dependence, and documented systems. A plumbing company doing $200K EBITDA with the owner on every job is worth 2.5x. The same company with 3 crews and a manager is worth 4.5x.