🧯 Deadly Sin: Addback Abuse = Fake Cash Flow

We’ve seen appraisals with:

❌ Business travel labeled as “discretionary”
❌ All advertising added back
❌ Working owner and spouse payroll erased with no replacement

If the addbacks are inflated, the cash flow is fantasy—and so is the value.

📌 SBA valuations must reflect economic reality, not seller creativity.