Midwest (MI) HVAC Business: 7.31x SDE Multiple, 0.81x Stressed DSCR — Grade C#2490077

Midwest (MI) · HVAC / Plumbing / Electrical Services
C

HVAC Business (Profitable) + RE - Upper MI

Asking price band$2.5M – $3M
SDE multiple7.31x
Estimated annual debt service12.5% down · 9.5% rate · 10-yr SBA term$373,635
DSCR — as stated1.01
DSCR — stressedSDE haircut 20%, per SBA lender stress-test convention0.81
Price move to hit 1.25x stressedStandard SBA lender comfort threshold~35% off ask

This is a HVAC/Plumbing/Electrical service business currently listed for sale in Midwest (MI). It has been screened against this cycle's batch of comparable listings and graded C — tight relative to the current market, based on how much cushion remains in its cash flow after a standardized SBA stress test, not an absolute rating of the business itself.

Full listing details, including the exact asking price, broker contact, and target-offer price, are available to members.