Welcome to the SBA 7(a) Lender Valuation Resource Center, your go-to hub for practical tools, checklists, and SBA-compliant valuation guides. These resources are designed specifically for lenders navigating the complexities of business acquisition loans under SBA SOP 50 10 8. Access ready-to-use downloads, red flag reference sheets, fair market value guidance, and valuation due diligence checklists—all created to help streamline your review process, reduce risk, and ensure SOP-aligned underwriting practices.
Industry Checklists
Highland Global’s industry-specific checklists are designed to support lenders in the underwriting process by providing a structured framework for evaluating key aspects of a business acquisition. These tools help lenders assess operational strengths, financial indicators, market risks, and common red flags within each industry—giving them a practical, deal-level lens for analysis. Whether used during initial screening or deeper due diligence, each checklist empowers lenders to ask the right questions, identify potential concerns early, and ensure the business aligns with underwriting expectations.
- Auto Body & Collision Repair Checklist
- Auto Repair Shop Checklist
- Behavioral Health & Therapy Clinic Checklist
- Boutique Fitness Studio Checklist
- Chiropractor Practice Checklist
- Convenience Store Valuation Checklist
- Copy Shop / Business Service Center Checklist
- CPA / Accounting Firm Checklist
- Daycare & Childcare Center Checklist
- Dental Practice Checklist
- Dry Cleaners Checklist
- E-commerce (Physical Products) Checklist
- Electrical Contractor Checklist
- Engineering Consulting Firm Checklist
- Industrial Equipment Distributor Checklist
- Fitness Centers & Gyms Checklist
- Florist Checklist
- Grocery Store Checklist
- Hair Salon & Barbershop Checklist
- Home Health Care Services Checklist
- HVAC Business Checklist
- Janitorial Services Checklist
- Landscaping & Lawn Care Checklist
- Laundromat & Self-Service Facility Checklist
- Machine Shop / Tool & Die Checklist
- Manufacturing Business Checklist
- Med Spa & Cosmetic Clinic Checklist
- IT Managed Services Provider (MSP) Checklist
- Non-Emergency Medical Transportation (NEMT) Checklist
- Optometry Practice Checklist
- Pawn Shop Valuation Checklist
- Pest Control Business Checklist
- Pet Boarding & Grooming Checklist
- Pharmacy Checklist
- Physical Therapy Clinic Checklist
- Physician & Medical Practice Checklist
- Plumbing Company Checklist
- Pool Cleaning & Maintenance Checklist
- Property Management Checklist
- QSR/Multi-Unit Fast Food Franchise Checklist
- Residential Cleaning & Maid Services Checklist
- Restaurant Checklist
- Flood / Fire Restoration & Cleanup Checklist
- Roofing Contractor Checklist
- Specialty Retail Store Checklist
- Towing Company Checklist
- Test Prep & Tutoring Center Checklist
- Urban Farm & Garden Retail Checklist
- Veterinary Clinic Checklist
Underwriting Guides
Highland Global’s lender underwriting guides are designed to support SBA 7(a) loan underwriters with clear, practical tools for evaluating small business acquisitions. These resources help lenders identify key risk factors, assess business fundamentals, and ensure alignment with SBA SOP 50 10 8 requirements. Whether you’re analyzing borrower financials or preparing a credit memo, our guides streamline the underwriting process and provide structured guidance across a wide range of topics.
- Addback Risk Review Tool
- Book Value vs FMV Cheat Sheet
- Business Valuation Multiple Cheat Sheet
- CapEx Adjustment Worksheet
- Capital Structure and Business valuation Guide
- Customer Concentration Discount Guide
- Earnings Multiples Application Guide
- FMV vs Strategic Value Guide
- Franchise Underwriting Guide
- Jobs vs Business Guide
- Owner Compensation Normalization Guide
- Personal vs Enterprise Goodwill Guide
- Projections Risk Guide
- Top 10 Red Flags in SBA Underwriting Guide
- Rent Normalization Memo Template
- Risk and Return Lender Guide
- Rules of Thumb Red Flag Guide
- SBA Lender Insight Callouts
- The 7 Deadly Sins of Business Valuation to SBA Underwriting Matrix
- Strategic Creep Review Tool
- Working Capital Evaluation Worksheet
