DemoBusiness

Summit Digital Marketing Agency

$425,000professional services · Austin, TXSBAservicesAustin

Key Metrics

97

Investment Score · How attractive is this opportunity?

Strong Buy

Strong yield and safe coverage. SDE Multiple is excellent.

SDE
$314,000
EBITDA
$231,000
ROI (5yr)
2219.84%
Annual Cash Flow
$177,065
Break-Even Revenue
$602,765
Revenue Multiple
0.63x
SDE Multiple
1.35x
Equity Multiple (5yr)
23.20x
Monthly Debt Service
$5,161
Cash Invested
$54,500

Top Risks

Break-even at 88.6% of current revenue

Risk diagnostics are rule-based estimates. Always verify with independent due diligence.

SDE Multiple1.35x
Typical: 1.50x – 3.00xbetter than typical
SDE Margin46.2%
Typical: 15.0% – 35.0%above typical — strong
ROI2219.8%
Typical: 15.0% – 35.0%above typical — strong
Annual Cash Flow$177K
Typical: $30K – $100Kabove typical — strong
Revenue Multiple0.63x
Typical: 0.30x – 1.50xwithin typical range
Break-Even Revenue88.6%
Typical: 50.0% – 80.0%above typical range

Benchmarks are national averages by asset class (CBRE, Marcus & Millichap, BizBuySell, IBBA). Actual ranges vary significantly by local market, deal size, and condition. Always validate with local comps.

Severity

Base Score

97

Strong Buy

-2

score change

Stressed Score

95

Strong Buy

Annual Cash Flow

$105,147

-$71,918 from base

ROI

767.1%

-1452.7% from base

Amortization Schedule

Monthly Payment

$5,161.26

Total Interest

$236,852

Interest / Total

38.2%

Loan Term

10 yrs

YearPaymentPrincipalInterestBalanceP/I Split
Year 1
$61,935$22,852$39,084$359,648
37% principal
Year 2
$61,935$25,370$36,565$334,278
41% principal
Year 3
$61,935$28,166$33,769$306,113
46% principal
Year 4
$61,935$31,270$30,665$274,843
51% principal
Year 5
$61,935$34,716$27,219$240,127
56% principal
Year 6
$61,935$38,542$23,394$201,585
62% principal
Year 7
$61,935$42,789$19,146$158,796
69% principal
Year 8
$61,935$47,505$14,431$111,292
77% principal
Year 9
$61,935$52,740$9,195$58,552
85% principal
Year 10
$61,935$58,552$3,383$0
95% principal
Total$619,352$382,500$236,852$0
Loan: $382,500Rate: 10.5%Term: 10 yrsAmort: 10 yrsDown: 10%

Sensitivity Analysis

← Scroll to view all metrics →

RevenueSDE MultipleROICash FlowSDEBreak-EvenRev Multiple
$544,0002.39x887.72%$41,065$178,000$675,0960.78x
$578,0002.00x1218.41%$75,065$212,000$652,0820.74x
$612,0001.73x1551.09%$109,065$246,000$632,9030.69x
$646,0001.52x1885.04%$143,065$280,000$616,6740.66x
$680,000BASE1.35x2219.84%$177,065$314,000$602,7650.63x
$714,0001.22x2555.25%$211,065$348,000$590,7090.60x
$748,0001.11x2891.10%$245,065$382,000$580,1610.57x
$782,0001.02x3227.29%$279,065$416,000$570,8530.54x
$816,0000.94x3563.74%$313,065$450,000$562,5800.52x

Highlighted row is the current deal value. Green = improvement, red = deterioration vs. base case.

Deal Analysis

Get a disciplined, no-BS assessment of this deal — earnings evaluation, rational valuation range, debt service test, risk flags, and a straight answer.

What-If Scenario Builder

$425,000
$680,000
$204,000
$285,000
$75,000
4%
2.5%
10%
10.5%
10 yrs

Key Metrics

97

Investment Score · How attractive is this opportunity?

Strong Buy

Strong yield and safe coverage. SDE Multiple is excellent.

SDE
$314,000
EBITDA
$231,000
ROI (5yr)
2219.84%
Annual Cash Flow
$177,065
Break-Even Revenue
$602,765
Revenue Multiple
0.63x
SDE Multiple
1.35x
Equity Multiple (5yr)
23.20x
Monthly Debt Service
$5,161
Cash Invested
$54,500

Analysis Notes1

70% of revenue is recurring retainers. Top 3 clients = 35% of revenue — some concentration risk.

Created Feb 18, 2026·Last updated Feb 25, 2026, 9:00 AM·0 scenarios·Financing: Sba 7a @ 10.5% / 10yr

Disclaimer: This analysis is for informational purposes only and does not constitute financial, legal, tax, or investment advice. All projections and metrics are estimates based on user-provided inputs. Conduct independent due diligence and consult qualified professionals before making financial decisions.