Asking $875K · Fair value $604K–$845K · Overpriced by up to $271K
Live example · HVAC · Austin, TX
Used by first-time buyers evaluating $300K–$3M small business acquisitions. Get a professional-grade deal score, valuation analysis, and LOI draft in under 10 minutes.
Used by buyers evaluating $300K–$3M deals · Based on real SBA underwriting models
500+
deals analyzed
$180M+
business value assessed
42
states covered
<10 min
score to LOI draft
Based on SBA underwriting benchmarks · Uses DSCR thresholds lenders require · Benchmarked against real SMB deal multiples
Without reliable comps or valuation expertise, you’re guessing. Brokers represent sellers — their pricing favors the other side.
Financial riskHidden liabilities, customer concentration, declining revenue trends — the risks that kill deals aren’t in the listing.
Knowledge gapGood deals attract multiple buyers. Every day spent building spreadsheets is a day another buyer moves ahead.
Timing pressureThe best deals go to buyers who decide fast. MyDealCheck gives you the analysis in minutes, not weeks.
Serious buyers move in days, not weeks. Know before other buyers even finish their spreadsheet.
$604,000 – $845,000
After years evaluating businesses and watching first-time buyers overpay or walk away from great deals, we built MyDealCheck to give every buyer access to the same analytical framework that professionals use. The same DSCR thresholds SBA lenders require. The same valuation multiples brokers use. The same red flags that kill deals at the closing table.
— The MyDealCheck Team
“I was about to submit an LOI on an HVAC business at $875K. MyDealCheck flagged the DSCR failure immediately. Saved me from a deal that would have failed SBA financing.”
— Anonymous Buyer · Texas · HVAC Deal
“The red flag analysis found two issues my broker never mentioned. The valuation range alone justified the $127.”
— Anonymous Buyer · Florida · Landscaping Deal
“I used the Conservative LOI style and the seller came back with a counter within 48 hours. The negotiation anchoring actually worked.”
— Anonymous Buyer · Ohio · Services Business
Names withheld at buyers' request. Deal details anonymized.
Every report is specific to your deal numbers. No generic advice.
MyDealCheck Deal Analysis · HVAC Business · Austin, TX · Confidential
Deal Score
FAIR VALUEExecutive Summary
Proceed with caution. Deal is priced at the upper boundary of HVAC fair value range.
SDE Normalization
Adjusted SDE: $175,000 after $85,000 in verified add-backs.
Valuation Analysis
Asking multiple: 3.20x SDE. Fair value range: $437K–$612K.
Red Flags
DSCR at 1.18x — fails SBA 1.25x minimum.
Asking price at upper bound of fair value range — negotiate before LOI.
Deal Structure
SBA loan: $612,500. Annual debt service: $101,200. DSCR: 1.18x FAILS.
5-section analysis · DSCR calculation · Red flag ranking · LOI draft · Human second opinion on request
Each style adjusts terms, contingencies, and tone to match your strategy.
60-day due diligence
Maximum contingencies and buyer protections. Best when you’re unsure about the deal or want maximum time to verify everything.
45-day due diligence
The most common structure for SBA acquisitions. Balanced terms that sellers expect and lenders prefer.
30-day due diligence
Fewer contingencies and faster timelines. Use when you’re confident in the deal and want to stand out in a competitive situation.
LOI templates are for discussion purposes only and do not constitute legal advice. We recommend having an attorney review any LOI before signing, especially for deals over $1M. MyDealCheck LOIs are non-binding by default.
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Used by buyers evaluating $300K–$3M deals · Based on real SBA underwriting models
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Free guides written for first-time small business buyers
What seller’s discretionary earnings are, why brokers inflate them, and how to calculate adjusted SDE yourself before paying for due diligence.
Read guide →SBA FinancingThe DSCR threshold, down payment requirements, and the five most common reasons SBA deals fall apart.
Read guide →Due DiligenceFrom unusual add-backs to lease assignment risk, the warning signs experienced buyers check before submitting a LOI.
Read guide →