> Value Gap Calculator

Value Gap Calculator

Transferable Value Assessment

Risk-Adjusted Valuation Calculator for SMB

Understand your business's true market value based on transferability, risk factors, and systems maturity — not just industry averages.

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⚠️ Critical Risk Factors Detected: Owner dependence, customer concentration, or weak systems are significantly impacting your valuation. These are the highest-priority areas to address.

Value Gap: $0

Your Transferable Value Score determines where you fall in your industry's valuation range. The gap between your current and potential valuation represents the value you're leaving on the table due to owner dependence, customer concentration, weak systems, or revenue quality issues.

This isn't about being worth less — it's about being less saleable at exit. We can help you systematically close this gap by building transferable, decision-ready systems.

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Potential
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How This Calculator Works

This calculator uses a risk-scoring methodology to determine your valuation range — not static industry multiples.

Transferable Value Score (0-100):

  • Owner Independence: 20% weight
  • Revenue Quality/Recurrence: 20% weight
  • Customer Diversification: 15% weight
  • Growth Rate: 15% weight
  • Systems & Reporting: 15% weight
  • Financial Quality: 10% weight
  • Margin Strength: 5% weight

Your score determines where you fall within your industry's valuation range. Low scores = bottom of range. High scores = top or above range.

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Disclaimer: This tool provides generalized estimates for informational purposes only. Results are not a substitute for professional valuation.

Discover Your Transferable Value Gap

How Much Enterprise Value Are You Really Leaving on the Table?

Most businesses are profitable.
Fewer are truly transferable.

The Transferable Value Assessment estimates what your business could command in today’s market based on how buyers actually evaluate small and mid-sized companies — not just industry averages.

By answering a few focused questions about your revenue, profit structure, growth, and risk exposure, you’ll see how transferable your cash flow really is — and where value may be leaking.

How It Works

Enter key inputs such as:

  • Annual Revenue

  • Profit Metric (SDE or EBITDA)

  • Revenue Growth (YoY)

  • Owner Dependence

  • Customer Concentration

  • Revenue Quality

  • Systems & Financial Reporting Strength

The calculator applies a risk-adjusted multiple based on these factors to estimate:

  • Your current valuation range

  • Your transferable value score

  • Your potential valuation if key risks were improved

  • The measurable “value gap” between the two

Why Use This Assessment?

Because valuation isn’t just about profit.
It’s about predictability, transferability, and risk.

This tool helps you:

  • See how buyers would likely view your business today

  • Understand which risks are compressing your multiple

  • Identify practical levers that expand valuation

  • Make strategic decisions that improve exit readiness

This isn’t about what your business is worth on paper.
It’s about how valuable it is to someone else.

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