USE CASE

Reports Designed for Lender Review

SBA 7(a) lenders routinely require an independent valuation for business acquisition financing. Our Professional reports are structured to support the lender pre-screening process with the depth of analysis expected by underwriters.

The Scenario

A buyer is acquiring a business for $2.5M and needs SBA 7(a) financing. The lender requires an independent business valuation as part of the underwriting package. The buyer needs a professional report that meets lender expectations — fast.

How VEMLogic Helps

  • Full three-approach valuation (Income, Market, Asset) at Professional tier
  • Cap rate build-up using Duff & Phelps / Kroll institutional data
  • Comparable transaction analysis from DealStats and industry databases
  • SDE and EBITDA normalization with clear add-back documentation
  • Professional report formatted for lender review packages
  • Priority delivery (1-3 business days) to meet deal timelines

Key Metrics in Your Report

Business value

SDE multiple

Debt service coverage

Revenue trends

Asset coverage ratio

Industry risk factors

Essentials

$399.95

Business Value Summary · 3-5 business days

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Professional

$1,599

Calculation of Value Report · 1-3 business days (priority)

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VEMLogic provides Calculations of Value. Reports are not certified appraisals and do not constitute USPAP-compliant valuations.

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