Question 1

What is VEMLogic?

Accepted Answer

VEMLogic is an AI-powered business valuation platform that delivers professional Calculation of Value reports for privately held businesses. Our dual AI review process, validated under the NAVIS Computational Valuation Standard (NAVIS CVS), a quality standard published by NAVIS Standards, LLC for AI-assisted valuation platforms, ensures every report meets institutional-grade standards of accuracy and defensibility.

Question 2

What is a Calculation of Value?

Accepted Answer

A Calculation of Value is a professional valuation engagement that uses agreed-upon approaches and methods to estimate business value. VEMLogic reports are produced in compliance with the NAVIS Computational Valuation Standard (NAVIS CVS), a computational valuation framework designed for AI-assisted business valuations. While not a full certified appraisal, it applies the same analytical rigor and is widely accepted by SBA lenders, attorneys, and business advisors.

Question 3

Is this a certified appraisal?

Accepted Answer

No. VEMLogic provides Calculations of Value — not certified USPAP appraisals. The distinction matters: a Calculation of Value uses selected approaches rather than all applicable approaches, resulting in faster delivery and lower cost while still producing a defensible, professionally prepared opinion of value.

Question 4

Who is this for?

Accepted Answer

Business owners preparing for a sale, exit, or transition. Attorneys handling divorce, estate, or partnership disputes. CPAs advising on succession or tax planning. SBA lenders evaluating acquisition financing. M&A advisors who need fast, defensible baseline valuations.

Question 5

How much does a valuation cost?

Accepted Answer

Essentials reports start at $399.95 and include market and asset approach valuations with a 25-page professional report. Professional reports are $1,599 and include full three-approach analysis (Income, Market, Asset) with a 35-45 page comprehensive report and priority delivery.

Question 6

Can I upgrade from Essentials to Professional?

Accepted Answer

Yes. If you start with an Essentials report, you can upgrade to Professional within 6 months and receive a $399.95 credit toward the $1,599 price — you'd pay just $1,199 for the upgrade.

Question 7

Do you offer repeat purchase discounts?

Accepted Answer

Yes. Returning clients receive 20% off any report ordered within 14 months of their previous purchase. This applies to both Essentials and Professional tiers.

Question 8

What payment methods do you accept?

Accepted Answer

We accept all major credit and debit cards through Stripe, our PCI DSS Level 1 certified payment processor. VEMLogic never stores or has access to your card details.

Question 9

What valuation approaches do you use?

Accepted Answer

The Professional tier applies all three standard approaches: the Income Approach (capitalization of earnings with a built-up discount rate), the Market Approach (comparable transaction multiples from DealStats and industry databases), and the Asset Approach (adjusted net asset value). The Essentials tier focuses on the Market and Asset approaches for a streamlined analysis.

Question 10

What data sources do you use?

Accepted Answer

We use Duff & Phelps / Kroll Cost of Capital Navigator for equity risk premiums, DealStats for comparable transaction multiples, Pepperdine Private Capital Markets surveys, IBBA Market Pulse reports, BizBuySell transaction data, Damodaran Online (NYU) for industry betas, and RMA Annual Statement Studies for financial benchmarks.

Question 11

What is the NAVIS CVS?

Accepted Answer

NAVIS CVS (Computational Valuation Standard) — a quality standard published by NAVIS Standards, LLC for AI-assisted valuation platforms. Our reports are validated under this standard to ensure computational accuracy, methodological consistency, and transparency in AI-assisted valuation.

Question 12

How does the dual AI review work?

Accepted Answer

Every report is independently validated by two separate AI systems (Anthropic Claude and Google Gemini). Each system reviews the valuation conclusions, methodology application, and mathematical accuracy. Discrepancies between the two reviews trigger escalation to human review. No report ships without passing all three quality gates.

Question 13

Can I use this for an SBA loan?

Accepted Answer

Our Professional report is designed to support SBA pre-screening discussions with lenders. Acceptance is at the discretion of individual lenders, and a full USPAP-compliant appraisal may be required for certain transactions. Many SBA-preferred lenders accept Calculations of Value for loan underwriting.

Question 14

How long does it take to receive my report?

Accepted Answer

Essentials reports are delivered within 3-5 business days after you submit your completed intake. Professional reports receive priority delivery in 1-3 business days. Complex engagements involving multiple entities or unusual structures may require additional time.

Question 15

What information do I need to get started?

Accepted Answer

You will need basic business details (industry, location, entity type), 3 years of federal tax returns, and a recent profit & loss statement or internal financials. Our guided intake process walks you through exactly what is required. Most clients complete the intake in 15-20 minutes.

Question 16

How is the report delivered?

Accepted Answer

Reports are delivered as professionally formatted PDF documents through your secure portal on VEMLogic.ai. You receive an email notification when your report is ready. Documents are stored in individually isolated, encrypted data rooms on Box enterprise infrastructure.

Question 17

Can I request revisions?

Accepted Answer

If you discover an error in the data you submitted, contact us and we will work with you to issue a corrected report. Our Living Valuation system also allows for iterative refinements to specific data points after initial delivery.

Question 18

Is my financial data secure?

Accepted Answer

Absolutely. All data is encrypted with AES-256 at rest and TLS 1.3 in transit. Documents are stored on Box enterprise cloud infrastructure with SOC 2 Type II compliant controls. We never share your data with third parties, and you can request permanent deletion at any time.

Question 19

Is my data used to train AI models?

Accepted Answer

Never. Your financial data is processed via stateless API calls and is never used to train, fine-tune, or improve any AI model — ours or any third party's. This is a contractual obligation with our AI providers, not just a policy preference.

Question 20

How long do you retain my documents?

Accepted Answer

Financial documents are retained for 3 years from report delivery, consistent with professional record-keeping standards. You may request earlier deletion at any time. Deletion is permanent, irreversible, and confirmed in writing.

Question 21

Do you use tracking cookies or sell data?

Accepted Answer

No. We use only essential cookies for authentication and session management. We do not use advertising cookies, retargeting pixels, behavioral tracking, or data brokers. Your activity on VEMLogic.ai is never monetized or shared.

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