Your listing
Seller’s Discretionary Earnings — what’s left for the owner after paying all operating expenses.
Suggested offer range
Enter an annual SDE (Seller’s Discretionary Earnings) of at least $10,000 and pick a business type to see a buyer-side offer range. Market comps and SBA-bankable ceilings are computed against your inputs.
How the offer range is built
The three market anchors come from an internal SDE-multiple benchmark table keyed to the business category (25th / median / 75th percentile). The fourth point — the max SBA-bankable offer — reverse-solves the amortization math: it is the largest price at which a standard SBA 7(a) 80/10/10 capital stack still clears the 1.25× DSCR floor on the SDE you entered.
When the market range and the DSCR ceiling diverge
If the DSCR ceiling lands below the 25th-percentile comp, the deal is only bankable at a discount to market — either negotiate hard, find addbacks that lift SDE, or pass. If the ceiling lands above the 75th-percentile comp, financing isn’t the binding constraint; the market is, and you can safely offer up to the median without worrying about DSCR.
Ready to run the full underwrite?
Paste the full listing, verify extracted fields, and runSDE produces bear/base/bull scenarios, DSCR stress tests, and a lender-ready investment memo in under five minutes. Start free · See a sample