
How to Calculate SDE Without Lying to Yourself
The formula is easy. The judgment calls are where buyers get cooked. Here’s how to calculate seller’s discretionary earnings like an adult.
Practical intelligence for buyers who do not want to overpay, get misled, or learn the hard way.

The formula is easy. The judgment calls are where buyers get cooked. Here’s how to calculate seller’s discretionary earnings like an adult.

Business applications just hit a June record — but the share that becomes an employer business you can actually buy has fallen to the lowest level on record, and it's rotating hard by sector.

The formula is easy. The judgment calls are where buyers get cooked. Here’s how to calculate seller’s discretionary earnings like an adult.

A no-BS, CPA-backed checklist for buyers who want better answers before they waste six figures on the wrong deal.

A quick and dirty guide to the numbers, risks, red flags, and negotiation moves that make or break a deal.

Most buyers don’t lose deals in due diligence — they lose them by ignoring the warning signs. These 7 red flags are instant deal killers. The one that catches even experienced buyers shows up right before close.

The SBA runs five distinct loan programs. Only one of them is built for acquiring an operating business — but for deals with real estate, working capital, or speed needs, the right answer changes.

An LOI is non-binding. The expense reimbursement clause inside it is not. Here's what every buyer misses.

Most tools in this category are deal trackers or CRMs. A small number actually normalize SDE, model DSCR, and produce lender-grade output. Here's the honest breakdown.
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