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SBAValue Blog

17
Oct

The SBA has released an updated version of its Standard Operating Procedures (SOP) 50 10 5(J), which is effective January 1, 2018. The following discussion highlights key revisions in the SOP which affect both business valuations and equipment appraisals, along with the author’s comments.   7(a) Loan Program –Business Valuations Requirements (pg. 196-198)   Terminology […]

01
May

Seller’s Discretionary Earnings (SDE) is an integral cash flow stream for small businesses.  SDE encompasses all cash flows paid to a single owner-operator, including an adjustment for owner’s salary, discretionary expenses and nonrecurring income/expenses.   Below is a step-by-step explanation of how to calculate SDE for a typical small business.  An extract of the first […]

31
Jan

A Special Purpose Property is defined in the SBA Standard Operating Procedure (SOP) 50 10 5(I) as “a limited market property with a unique physical design, special construction materials, or a layout that restricts its utility to the specific use for which it was built.” The most popular examples of Special Purpose Properties that SBA lenders finance include hotels, […]

12
May

The SBA has released an updated version of its Standard Operating Procedures (SOP) 50 10 5(H), which is effective May 1, 2015. The following discussion highlights key revisions in the SOP which affect both business appraisals and real estate appraisals, along with the author’s comments.   Terminology   Throughout the SOP, the term “business valuation” […]

31
Jan

Rules of thumb can be useful to determine if a proposed business transaction seems reasonable prior to accepting an SBA loan application. However, most businesses are unique, and applying a rule of thumb without additional analysis can be dangerous.   Using a rule of thumb approach is a simplified form of the market approach, in […]

10
Mar

Business valuations compiled for SBA purposes are complex, often containing over 80 pages of financials, projections and analysis.  Unfortunately, many readers are tempted to skim the summary page for the conclusion of value, and close the file.  This can be a costly mistake.  SBA loan officers and underwriters should familiarize themselves with the essential sections […]

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