Financing Snapshot
| Asking price band | $900K – $1M |
|---|---|
| SDE multiple | 2.5x |
| DSCR — as stated | 2.95 |
| DSCR — stressedSDE haircut 20%, per SBA lender stress-test convention | 2.36 |
| Price move to hit 1.25x stressedStandard SBA lender comfort threshold | Clears at ask |
About This Listing
This is a HVAC service business currently listed for sale in Midwest (MN). It has been screened against this cycle's batch of comparable listings and graded B — moderate 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.
At the midpoint of the asking price band ($950,000), a buyer putting 12.5% down would need roughly $118,750 in cash and could expect an estimated monthly SBA note payment near $10,756 (9.5% rate, 10-year term). By stressed DSCR, this listing ranks 117th of 333 in the current batch (1st = strongest cash-flow cushion after the stress test).
Full listing details, including the exact asking price, target-offer price, and a direct link to the original listing, are available to members.