Supporting sound lending decisions
Reports help lenders assess what the business is worth and whether the purchase price looks supportable.
Independent valuations for SBA lenders, buyers, and owners
A business valuation is an objective view of what a business is worth — based on earnings, assets, and market conditions.
Intellgus prepares valuations for SBA lenders, banks, buyers, and sellers who need a clear, supportable conclusion of value.
When a lender finances an existing-business acquisition, value is part of underwriting. We combine financial analysis, normalized earnings, assets, and industry factors into a defensible conclusion.
Reports help lenders assess what the business is worth and whether the purchase price looks supportable.
Analysis is written so it can go into credit files and loan documentation.
Independent valuations for SBA lending, acquisitions, change-of-ownership, and lender underwriting:
SBA 7(a) can finance complete or certain partial changes of ownership. Valuation needs depend on structure, price, financed amount, and buyer–seller relationship — not every SBA loan requires a valuation.
Confirm each deal against the current SBA SOP and lender policy. SOP 50 10 8.1 became effective October 1, 2026. Intellgus prepares valuations tailored to the transaction and the information available.
We analyze performance, assets, liabilities, and industry factors so lenders and buyers can see whether value supports the deal.
Much of an operating business’s value may sit in goodwill and intangibles. Banks often request an independent valuation for underwriting.
Valuations for lenders financing an acquisition or change of ownership — and whether value supports the transaction.
A clear view of economic value before you buy, covering performance, operations, and industry.
Valuations for full or partial purchases and transfers of ownership.
We consider goodwill and intangibles when they drive overall economic value.
Reports scoped to the lender’s transaction, underwriting, and credit review.
Historical statements used to read revenue, profit, cash flow, working capital, and debt.
We use the income, market, and/or asset approach — and normalize results — based on the business and the purpose of the engagement.
Value based on expected earnings and cash flow — often used when future benefits drive the price.
Value based on comparable companies or transactions when reliable data is available.
Value based on assets and liabilities — often relevant for asset-intensive businesses.
We adjust unusual, one-time, or owner-specific items so the valuation reflects ongoing economics.
A valuation is more than a revenue multiple. We look at the factors that actually move value.
From scope to report, in a clear sequence.
Purpose, subject business, ownership interest, structure, and intended users.
Statements, tax returns, transaction documents, and supporting records.
Performance, operations, and owner-specific or one-time items that affect ongoing results.
Income, market, and/or asset approaches that fit the business and engagement.
Assumptions, methods, support, and the valuation conclusion in one report.
From scope to report, in a clear sequence.
Purpose, subject business, ownership interest, structure, and intended users.
Statements, tax returns, transaction documents, and supporting records.
Performance, operations, and owner-specific or one-time items that affect ongoing results.
Income, market, and/or asset approaches that fit the business and engagement.
Assumptions, methods, support, and the valuation conclusion in one report.
Valuations for privately held businesses such as:
A lender valuation has a different purpose than one prepared only for an owner.
We work from the underlying numbers, not a single high-level metric.
Reports explain the information used, methods, assumptions, and conclusion.
We consider applicable SBA requirements when the valuation supports SBA lending.
An independent view of value for credit files and acquisition decisions.
Built for lending timelines: collect, analyze, and communicate efficiently.
A valuation should explain the number, not just state it. Intellgus supports SBA lenders, banks, buyers, and sellers with independent analysis. For SBA deals, confirm requirements against the current SOP, the facts of the transaction, and lender policy.
A business valuation is an analysis performed to determine the economic value of a business or ownership interest as of a specified valuation date.
A business valuation can help an SBA lender evaluate the value of a business involved in an eligible change-of-ownership transaction and determine whether the transaction meets applicable SBA and lender requirements. SBA documentation specifically addresses business valuation for change-of-ownership transactions.
No. Business valuation requirements depend on the type of transaction and applicable SBA requirements. They should not be described as mandatory for every SBA loan.
Yes. Intellgus can provide business valuation services for lenders evaluating qualifying business acquisition and change-of-ownership transactions.
Depending on the engagement, information may include financial statements, tax returns, general ledger information, purchase agreements, debt information, organizational documents, operational information, and other relevant business records.
Depending on the engagement, relevant approaches may include the income approach, market approach, and asset approach.
Yes. Business valuations can help buyers, sellers, and lenders understand the economic value of a business involved in an acquisition.
The timeline depends on the complexity of the business, availability of financial information, transaction requirements, and scope of the engagement. Intellgus can establish a timeline after reviewing the specific engagement requirements.
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