Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner Labor & Replacement Risk Is the owner working full-time at the front counter or in operations? Has a fair market wage been applied to replace the owner’s labor? Are there documented staff roles or a manager in place? … Continue reading Copy Shop / Business Service Center Checklist
buying a business
Convenience Store Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner + Family Labor Normalization Does the owner work full-time or cover nights/weekends? Are family members involved without proper compensation? Has owner/operator labor been replaced with market wages? Is payroll adequate for full store coverage across all hours? 🏷️ … Continue reading Convenience Store Checklist
Chiropractor Practice Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner Dependency + Credentialing Is the owner the sole licensed chiropractor? Is there an associate or backup provider? Has a fair market wage been applied to clinical work? Are licensing and credentialing transferable or replicable? 🏷️ Payer Mix + … Continue reading Chiropractor Practice Checklist
Boutique Fitness Studio Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner Role + Instructor Labor Does the owner teach the majority of classes? Are certified instructors employed and fairly compensated? Has owner labor been normalized? Are teaching roles documented or informal? 🏷️ Revenue Model + Seasonality Is revenue based … Continue reading Boutique Fitness Studio Checklist
Behavioral Health & Therapy Clinic Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner Licensing + Labor Review Is the owner the only licensed therapist or counselor? Are there associate providers or billing staff? Has owner clinical labor been normalized? Are licenses transferable or will clients stay post-transition? 🏷️ Revenue Structure + … Continue reading Behavioral Health & Therapy Clinic Checklist
Auto Repair Shop Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Labor + Compensation Adjustments Is owner/technician compensation normalized? Are family members or unpaid labor adjusted? Is payroll reflective of true staffing needs post-sale? 📊 CapEx and Equipment Review Are lifts, tools, and diagnostic equipment near end-of-life? Has a normalized … Continue reading Auto Repair Shop Checklist
Auto Body & Collision Repair Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨💼 Owner + Technician Labor Review Does the owner perform repair or painting labor? Are any family members working unpaid? Has labor been normalized for technician, estimator, and admin roles? Are wages aligned with local industry benchmarks? 🏷️ Insurance & … Continue reading Auto Body & Collision Repair Checklist
Machine Shop / Tool & Die Checklist
Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🧑🔧 Owner Dependency & Technical Skill Risk Is the owner the lead machinist, programmer, or estimator? Has a market wage been applied for the owner’s technical role? Is there trained staff or documentation to transfer technical knowledge? Are SOPs, G-code … Continue reading Machine Shop / Tool & Die Checklist
✅ Is Your Valuation Model Tax-Affected? It Should Be.
💬 Pass-through entities don’t pay taxes at the corporate level—but does that mean we should value them as if taxes don’t exist? Nope. Here’s why ignoring tax-affecting can seriously overstate value. 👉 Download the white paper on Tax Affecting Pass-Through Income
✅ Risk and Return — What SBA Lenders Must Understand
💬 Higher returns only come with higher risk. But are your valuations quantifying that risk properly? Here's how risk impacts cap rates and value — explained clearly for lenders. 👉 Download the white paper discussing Risk and Return as it applies to SBA 7a business valuations.
Highland Global Business Valuations 