New England (RI) HVAC Business: 5.73x SDE Multiple, 1.03x Stressed DSCR — Grade C#2378098

New England (RI) · HVAC / Plumbing / Electrical Services
C

Rhode Island Plumbing & HVAC Company

Asking price band$4.5M – $5M
SDE multiple5.73x
Estimated annual debt service12.5% down · 9.5% rate · 10-yr SBA term$611,403
DSCR — as stated1.28
DSCR — stressedSDE haircut 20%, per SBA lender stress-test convention1.03
Price move to hit 1.25x stressedStandard SBA lender comfort threshold~20% off ask

This is a HVAC/Plumbing/Electrical service business currently listed for sale in New England (RI). 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.