SMB Valuation Reports for Private Businesses
409.AI helps business owners get a defensible fair market value for their company, whether for loans, buy-sell agreements, ownership changes, or planning, with expert-reviewed reports from $899.
An SMB valuation estimates the fair market value of a small or medium-sized business: what it would change hands for between a willing buyer and a willing seller, neither under compulsion and both reasonably informed.
At a glance
| Report | SMB valuation report |
|---|---|
| Summary | Expert-reviewed fair market value valuation reports for small and medium-sized businesses, loans, buy-sell agreements, ownership changes, and planning. |
| Price | From $899 |
| Jurisdiction | United States |
What is included
- Business and financial intake context
- Income and market approach analysis
- Fair market value conclusion for the business
- Draft report review opportunity
- Expert-reviewed final valuation report
Frequently asked questions
What is an SMB valuation?
An SMB valuation estimates the fair market value of a small or medium-sized business, what it would change hands for between a willing buyer and a willing seller, neither under compulsion and both reasonably informed. It is the general-purpose standard used for loans, agreements, and planning.
When do I need one?
Common triggers include loan and financing applications, buy-sell agreements, bringing in or buying out a partner, divorce or estate conversations, converting entity types, and simply planning with a real number instead of a guess.
How is the business valued?
Primarily through income approaches, which capitalize or discount your earnings and cash flow, and market approaches, which benchmark against comparable company data. The mix depends on your business’s size, history, and industry.
How is this different from a 409A valuation?
A 409A values a startup’s common stock specifically to set option strike prices under IRS rules. An SMB valuation values the business as a whole for general purposes. They share methods, and 409.AI offers both, including as add-ons to each other.
What information do I need to provide?
Financial statements or accounting system access, basic ownership and entity details, and context on the business, products, customers, and anything unusual affecting value. The intake is designed to take minutes, not days.
How much does it cost and how fast is it?
Reports start at $899 with transparent pricing tiers based on your annual revenue, delivered in 7 business days as standard, with express delivery available. Traditional business appraisals commonly cost several thousand dollars and take weeks.
Will banks and advisors accept the report?
The report documents methodology, inputs, and the value conclusion, and is reviewed by a valuation expert, the substance lenders and advisors look for. Specific lender requirements vary, so confirm any formal appraisal designations your lender requires.
Is this tax or legal advice?
No. The valuation report organizes company-provided information into supporting documentation and should be reviewed with qualified advisors for your specific use.