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BUSINESS VALUATION

Business Valuation Report

A defensible, written opinion of value for your business — prepared by a Certified AI-Enhanced Business Valuation Strategist.

CRE Resources, LLC  ·  Licensed NJ & PA  ·  IBBA & ICSC Member
Who this is for Owners who need a real number before they talk to a buyer, a lender, a partner, or an attorney.

What you actually get

Most owners have been told a number by someone with an interest in the answer — a competitor, a broker chasing a listing, or a rule of thumb from an industry association. This is not that.

A valuation report reconstructs what your business actually earns, strips out the owner-specific spending that a buyer will not inherit, and applies the methods a lender, a buyer's accountant, and an attorney will each expect to see. Where the methods disagree, the report says so and explains which one carries more weight for a business like yours, and why.

Choose your tier

TierStandard of valueTurnaroundPrice
Tier 1 — Market Pulse ValuationBroker's Opinion of Value5 business days[$1,500](https://buy.stripe.com/28E7sMd9Be0FfgQeZG6Na00)
Tier 2 — Strategic Compass ValuationCalculation of Value7–10 business days[$2,950](https://buy.stripe.com/3cIbJ2fhJbSx3y83gY6Na01)
Tier 3 — Business Valuation Appraisal (LLC / Schedule C)Conclusion of Value10–15 business days[$4,950](https://buy.stripe.com/6oU28sc5x09P7Oo7xe6Na02)
Level 3b — Business Valuation Appraisal (S-Corp / Multi-Partner)Conclusion of Value15 business days[$6,500](https://buy.stripe.com/00waEY6Ld9Kp7Oog3K6Na03)
SBA-Lender-Compliant Business ValuationMeets SBA lender requirements10 business days[$3,950](https://buy.stripe.com/dRm7sM2uX1dT2u47xe6Na04)

The method

Normalization first. Three years of financials are recast to Seller's Discretionary Earnings and, where the size of the business warrants it, EBITDA. Owner compensation, personal expenses run through the business, one-time items, and non-operating assets are all identified and adjusted with a written rationale for each.

Then multiple approaches. Capitalization of earnings, market comparables drawn from current transaction data, and — where the business supports it — a discounted cash flow. Asset-based methods where the balance sheet drives value rather than the earnings.

Then risk. A structured risk assessment across customer concentration, owner dependence, market position, lease and location, financial quality, and competitive exposure. This is what produces the company-specific risk premium, and it is usually the single largest driver of the spread between a good multiple and a poor one.

Why a range, not a number

Any valuation that hands you one figure is hiding its own uncertainty. You get a supported range, an explanation of what sits at each end, and — more usefully — a short list of what would have to change for you to reach the top of it.

What this is not

This is not a certified appraisal for tax, litigation, or ESOP purposes. If you need a USPAP-compliant appraisal for a court or an IRS filing, say so at intake and I will refer you appropriately rather than sell you the wrong product.

Applying this toward a sale? The full fee is credited against the listing commission if you engage CRE Resources to sell the business within twelve months.

What's Included

  • Three-year financial normalization (SDE and EBITDA recast)
  • Capitalization of earnings and market-multiple approaches
  • Comparable transaction research against current Main Street data
  • Risk assessment and company-specific risk premium
  • Value range with the reasoning behind each end of it
  • One-hour review call to walk through the findings

What You Receive

  • Written valuation report (PDF)
  • Normalized financial workbook (XLSX)
  • One-hour review call

How It Works

  1. Short intake call — 20 minutes to confirm scope and price before you commit to anything.
  2. Send your materials — financials, lease, or documents, through a secure link.
  3. Work is performed — 5–15 business days by tier, from complete financials.
  4. Delivery and review call — you get the files and a call to walk through them.