Assayer: SBA Deal Analysis for Business Buyers

Assay business-for-sale listings: multiples, SBA capital stack, DSCR, and a fit score against your own buy box. Free.

Stop doing the same back-of-envelope math on every listing. Assayer reads the listing you're viewing and instantly shows what an analyst would compute: the SDE multiple against your category's median, a full SBA 7(a) capital stack with current sourced defaults (Prime + 2.75%, 10% injection, standby seller note), post-salary DSCR, and your return on the cash you put in. Plus a 0-100 fit score against YOUR weighted buy box, not a generic grade. WHAT IT DOES - Fit score 0-100 with a full, traceable breakdown. You set the weights, and every row shows the scale it was measured against - Valuation against sourced category benchmarks: 116 industry categories plus 16 broader sectors, from BizBuySell sold-business data (Q1 2021 - Q4 2025, $100K-$5MM), with a link to the source - SBA capital stack quick model, every assumption editable - One-tap sensitivity (SDE -10% / -20%) and solve-for-price ("the most you could pay and still clear your hurdles") - Risk and strength flags: license-transfer traps, project-based revenue, whether the deal can actually service its loan - Plain-language mode and tooltips when you want them, dense numbers when you don't WHAT MAKES IT DIFFERENT When a listing doesn't disclose SDE, Assayer says so. It will never invent a multiple or a DSCR from missing data. Partial listings get a partial analysis, clearly labeled, with an optional estimated range you control. WHO IT'S FOR Search fund entrepreneurs, self-funded SBA buyers, independent sponsors, and first-time acquirers who take screening seriously. PRIVACY Everything runs in your browser, in real time. Assayer does not store the businesses you look at, on your machine or on ours. It saves your own Buy Box settings so scoring matches your criteria, and keeps simple local counts of feature usage that never leave your device. No account, no sign-in, no background activity, no scraping, and no network requests of any kind. Assayer scores listings against your criteria. It is not a valuation, an appraisal, or investment advice.