Sample · Stage 1 Screening

Hilltop HVAC Services — $2.10M asking

Generated by Deal Cues against a fixture SMB deal. No data was modified.

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Buyer-Safe Value

$1.42M – $1.78M

Midpoint $1.60M · vs ask $2.10M

Underwritten OCF

$284K

Reported SDE $362K · −$78K challenged

DSCR @ offer

1.42x

Threshold 1.25x · supportable

Defensibility

78 / 100

Evidence quality B+

Value comparison

Asking vs Buyer-Safe range

Ask above range

$1.42M

$1.78M

Ask $2.10M

$1.0M$1.5M$2.0M$2.5M

DSCR — at offer $1.6M

1.42×

DSCR

Lender-supportable

1.08x

DSCR @ ask

1.42x

DSCR @ offer

Add-Back Challenge

9 of 14 add-backs accepted · $48K rejected

Aggressive

Owner W-2 normalization
Replaced with market-rate manager comp $90K.
$120,000
One-time legal settlement
Documented; non-recurring per counsel letter.
$32,000
Owner travel & entertainment
Rejected — no business-purpose log; pattern recurring 3 yrs.
$48,000
Personal vehicle lease
Partially rejected — no mileage log.
$11,400
Software stack consolidation
Vendor sunset confirmed; recurring savings.
$8,200

Showing sample rows only — your report includes the full add-back challenge based on available evidence.

Customer concentration · 24mo

Top customer 31% — concentration risk flagged

Top 1Top 5Top 10Top 25Top 50Other

OCF trend · TTM

$284K+18%

Reported SDE$362K
Add-backs accepted+$140K
Add-backs rejected−$48K
WC normalizer−$11K
Underwritten OCF$284K

Lender brief preview

SBA 7(a) supportability — passes at $1.6M offer

Cash-to-close $185K (11.6% equity), 10-year amortization, 1.42x DSCR — within SBA 7(a) supportability with seller note structure.

$185K

Cash to close

11.6%

Equity %

10y

Term

$120K · 5y

Seller note

Deal Cues works across service, retail, healthcare, SaaS, and other SMB acquisition categories. The methodology adapts to the business type and available evidence.

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