Every BrokerVal analysis is prepared by a human financial expert — not software. We read between the lines of messy Main Street financials and find what automated tools miss.
Main Street financials are messy by design — optimized to minimize taxes, not to tell the real story. Automated tools apply formulas to what they see. A human expert reads between the lines.
We use modern tools internally to process documents faster — OCR, automation, structured templates. But every add-back decision, every risk flag, every DSCR scenario is made by an analyst with 15+ years of experience. No algorithm decides what your client's business is worth.
Automated Tools
BrokerVal Expert
Reads numbers at face value
Identifies hidden owner add-backs
Misses one-time expenses
Flags and sources every adjustment
Generic sector multiples
IBBA Market Pulse + deal comps
No risk context
Open items prioritized by impact
Can't explain the output
Every line item documented with source
No NDA, no confidentiality
Signed NDA before we start
Process
Three steps. One email.
No platform, no calls, no intake forms. Send the financials and get the analysis back within 24 hours.
— 01
Send your financials
Email your P&L and any supporting documentation to info@brokerval.us. Send whatever you have. We'll identify what we need and reply with a signed NDA before touching any document.
— 02
Expert builds the analysis
A human financial expert reconstructs SDE, sources every add-back, models SBA 7(a) debt coverage at today's prime rate, and flags open items by priority. No automation makes the call.
— 03
Delivery + data deletion
Clean 2-page PDF delivered within 24 hours. Once you confirm receipt, all original source documents are permanently and securely deleted from our systems.
Security & Confidentiality
Your client's data is protected at every step.
We handle tax returns and financial statements for your clients' businesses. That requires institutional-grade confidentiality.
NDA Before Anything
We sign a Non-Disclosure Agreement with every broker before receiving any documents. This is step one in every engagement — not optional, not a formality.
Encrypted Transfer Only
All documents are exchanged via encrypted, secure channels — never open email attachments. Your client's tax returns are treated with bank-grade security.
Permanent Data Deletion
All source documents — P&L, tax returns, CIM packages — are permanently and securely deleted immediately after you confirm receipt of the completed analysis.
NDA
Standard on every engagement. Before we receive a single document, we sign a bilateral NDA covering all financial data, business identity, seller information, and any other confidential materials. Request your NDA: info@brokerval.us
Sample Analysis
See exactly what your broker receives.
Real analysis — anonymized — from a completed Main Street retail engagement. Same format, same depth. Every add-back sourced, every risk flagged.
BrokerVal is an analytical advisory service. We are explicit about what we are — and what we are not.
Analytical Vendor Only
We are a back-office analytical subcontractor for licensed business brokers. We do not list businesses, contact sellers directly, negotiate transactions, or provide brokerage services. The broker is the professional of record and retains all client relationships and fiduciary duties.
Asset Sale Engagements
Our analysis covers asset-sale transactions only. Stock sales, equity transfers, or membership interest transactions are outside our default scope and require separate written confirmation before we proceed.
Not a Certified Appraisal
Our analysis is not a certified business appraisal under USPAP, ASA, or equivalent professional standards. Indicated values are Estimated Most Probable Selling Price ranges — not Fair Market Value conclusions and not "Qualified Source" valuations under SBA SOP 50 10 7.1.
Not Audit, Tax, or Legal Advice
BrokerVal is not a CPA firm or law firm. Our work is not an audit, review, or compilation of financial statements, and does not constitute legal, tax, or accounting advice. Brokers and their clients should retain qualified counsel for those matters independently.
SBA Lending Context
DSCR figures are pre-qualification estimates for broker listing-stage use. SBA lenders require a certified valuation from a credentialed source (ASA, ABV, CVA, or licensed CPA) for loans where financed amounts exceed $250K net of hard assets. Our work supports the listing — not the loan committee.
Data Responsibility
All analysis is based on unverified, management-provided financials. We express no opinion on accuracy or GAAP conformity. The broker assumes full responsibility for independently verifying every add-back before distribution to buyers or lenders.
For brokers: Our analysis is supporting analytical data. You apply your professional judgment, local market expertise, and client-specific context to form your own professional opinion of value. Broker-client relationship, fiduciary duties, and professional responsibility remain yours entirely.
Engagement Terms
Transparent. Predictable.
No hidden fees, no success-based compensation, no surprises.
Standard Pricing
From $299
per analysis · flat fee
Final pricing scales with complexity and documentation completeness. We quote the exact fee in writing before you commit. No success-based compensation — we are paid for analytical work product, never tied to deal outcomes.
First analysis is on us. No charge, no obligation, no commitment beyond the single engagement.
Limitation of Liability
Our aggregate liability for any engagement is contractually capped at the total fees paid for that specific engagement. This cap is standard in professional services contracts and ensures predictable risk allocation for both parties.
Mutual NDA Required
A bilateral Non-Disclosure Agreement is signed before any documents are exchanged. The NDA covers data handling, scope limitations, asset-sale-only confirmation, deletion timeline, and limitation of liability — request the standard template at info@brokerval.us.
Governing Law
Engagements are governed by the laws of the Republic of Serbia, where BrokerVal operates. Disputes are resolved through good-faith negotiation, and if unresolved, binding arbitration in Belgrade. Standard for international advisory engagements.
NDA · 24H · FREE
Get Started
First analysis. NDA included. No charge.
Send us an active listing — P&L and any supporting documentation. We sign an NDA first, then return a full expert SDE analysis within 24 hours at no cost.
NDA signed before we receive any document. All source files permanently deleted after delivery confirmation.
Or email directly: info@brokerval.us — attach your P&L and we'll reply with NDA and turnaround confirmation.
About BrokerVal
Fifteen years of financial analysis. Now working for you.
A team of EU-based financial analysts with deep experience in bank credit packages, business valuations, and cash flow modeling — bringing institutional-grade rigor to the US broker market.
15+
Years combined experience
EU
Based — operating globally
100%
Human analysis, no automation
NDA
Signed on every engagement
Who We Are
The team behind every analysis.
BrokerVal is run by a small, senior team of financial analysts who have spent their careers building financial models, preparing credit packages, and conducting business valuations for European banks, private equity firms, and institutional investors.
Our background is in structured credit analysis, discounted cash flow modeling, debt capacity assessment, and going-concern valuations — the same analytical disciplines that underpin a rigorous SDE reconstruction. We have worked with mid-market businesses across manufacturing, logistics, retail, hospitality, and professional services.
The US Main Street market is new geography for us — but a balance sheet is a balance sheet. Earnings normalization, owner compensation add-backs, and debt service coverage are universal principles. What changes is the local context: SBA lending standards, broker conventions, deal structuring norms — all of which we have studied in depth before building this service.
We are a European team. We are not pretending otherwise. We are transparent about who we are and where we operate from. What we offer is senior analytical expertise, institutional documentation standards, and strict confidentiality — and our clients know exactly who is preparing their reports.
SDE & Earnings Normalization
Identifying and documenting discretionary owner expenses, one-time items, and non-market compensation — the core skill in Main Street valuation.
Debt Capacity & DSCR Analysis
Hundreds of credit packages for bank lending committees. Debt service coverage modeling is our native language — we know what lenders want to see.
Business Valuation for Banks & Investors
Going-concern valuations for credit approval, M&A due diligence, and investor reporting across multiple European jurisdictions and regulatory frameworks.
Cash Flow Modeling & Forecasting
Multi-year integrated financial models for acquisition financing, scenario analysis, and operational planning — directly applied to BrokerVal sensitivity tables.
Multi-Sector Industry Analysis
Retail, food service, hospitality, logistics, professional services, light manufacturing. We understand how margins behave across sectors and what distorts reported earnings.
Our Background
Trained in Europe. Applied everywhere.
The vast majority of our analytical work has been done for European clients — German Mittelstand businesses, Austrian family-owned companies, regional banks in Southeast Europe, and private equity funds investing across the continent.
European financial analysis is rigorous by necessity. IFRS standards, Basel III credit frameworks, and demanding bank lending committees have required us to document every assumption, source every adjustment, and defend every valuation conclusion under scrutiny.
We bring that same standard of documentation and rigor to every BrokerVal report. The SBA lending framework differs from European credit standards — but the underlying principle of demonstrating a business's ability to service its debt is identical.
On being EU-based: We are transparent about our location. We are not a US firm and do not claim to be. What we offer is senior analytical expertise, institutional-grade documentation, and strict confidentiality — regardless of where we sit. Every broker we work with knows exactly who is preparing their reports, and we sign an NDA before touching any document.
Primary Markets Served
Our analytical track record spans businesses and financial institutions across the European Union and neighboring markets. We understand IFRS-prepared financials, local tax optimization practices, and how owner-operated businesses structure their compensation — knowledge that transfers directly to reading US Main Street P&Ls.
Germany
Austria
Switzerland
Croatia
Slovenia
Serbia
Netherlands
Belgium
Our Approach
Tools accelerate. Knowledge decides.
We use modern technology internally — OCR for parsing PDFs, automation for data entry, structured templates for calculations. This is how we deliver thorough analysis in 24 hours. But every judgment call is made by a human analyst with 15+ years of relevant experience. No algorithm decides what your client's business is worth.
01
Every add-back requires a documented source
We do not include an add-back unless we can cite its origin — a payroll record, tax return line item, settlement document, or CPA letter. If we cannot source it, it does not appear in the report.
02
Open items are flagged, not buried
If something materially affects the value range and we don't have the answer, we say so explicitly and prioritize it. Every report includes an open items section that tells the broker exactly what needs to be resolved.
03
The broker is the professional of record
We prepare analytical support material for the broker's use. The broker applies their professional judgment and local market knowledge to form their own opinion of value. We support that process — we do not replace it.
04
Confidentiality is non-negotiable
NDA signed before receiving any documents. All source files permanently deleted after the broker confirms receipt. We treat every engagement as if the information could never leave a bank vault.
Work With Us
Ready to see the analysis firsthand?
Send us one active listing. NDA first, full expert SDE analysis within 24 hours, at no charge.