Live diagnostics
While you answer, four checks test the value the way a careful buyer would: against comparable sales, against what a lender would finance, against how much rests on the far future, and against the floor.
Four checks on every answer
While you answer, four checks run in the panel beside the value. They don’t change the number. They test it, the way a careful buyer would, and they tell you when something deserves a second look.
- Transaction compsDoes the value sit inside what similar businesses sold for, on revenue, profit and per-seat bases? If it doesn’t, the panel says investigate before quoting, and never force an input to conform.Sample: inside the envelope, $1.77M–$4.04M
- FinanceabilityCan a buyer borrow enough to pay it? The value is tested against what the cash flow can carry at a lender’s coverage test.Sample: above what a lender would finance ($2.45M at the thinnest coverage)
- CompositionHow much of the value comes after the forecast years? Too much means the value rests on the far future.Sample: 37%, inside the 35–65% norm
- Porting-value floorIs the business worth more running than its customer book would fetch if it were moved to another provider?Sample: above the floor of $1.07M–$2.00M
Checks, not dials
A check that can’t run yet says so: financeability waits for the balance-sheet and deal chapters, and the floor waits for compliance.
Financeability matters even if you never sell: it tells you what the cash flow can support. The sample’s value sits above what a lender would finance, which is common for a business valued on its own cash flow; the report shows which kinds of buyer and deal structure clear it.
Other live signals
- Check the fit. If your capital spending, backlog and customer concentration read like the other economy in this code, the studio says so.
- Chapter unlocks. Finishing certain chapters adds a bar to the football field: per-seat prices, the asset floor, the financing ceiling.
- Toasts. Each answer flashes what it did, for example “+$263k · your answer moved the valuation to $4.25M” in the studio screenshot.
- Financeability. SBA 7(a) test: the price whose debt service the cash flow covers at 1.15× (thinnest) to 1.50× (comfortable). For a sponsor: senior leverage of 2.5–3.5× normalized EBITDA with 40–50% equity.
- Composition. Terminal value as a share of enterprise value, against a 35–65% norm at owner-operated discount rates; outside it, check the horizon and the fade.
- Comps envelope. The lowest and highest ends of the market bars, after the size adjustment and the same bridge to equity.
- Floor. Porting value of the customer book (a voice provider) or orderly-liquidation asset value (a ground-station operator).
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