Acquisition Notes

Small business M&A, plainly

Valuation basics

Small businesses usually trade on a multiple of adjusted earnings. The argument is almost never about the multiple — it is about the earnings.

Normalizing the numbers

Owner salary above or below market, personal expenses run through the business, one-time costs and related-party rent all get adjusted before a multiple is applied. Buyer and seller frequently disagree here more than on the multiple itself.

What moves the multiple

Recurring revenue, a management team that stays, diversified customers and clean books raise it. Customer concentration, regulatory exposure, declining trends and owner dependence lower it.

Working capital

A deal usually assumes a normal level of working capital comes with the business. Leaving this undefined until closing is a common source of last-minute disputes.