📊 SMB Deal Evaluation 🍁 Canada

Analyze acquisition opportunities with Canadian financing and market benchmarks

🏢 Business Information

💰 Financial Details (CAD)

$
$

Revenue minus COGS

$
$
$

Personal vehicles, family payroll, etc.

🤝 Deal Terms

$
$
$

Vendor Take-Back / Seller Financing

%

🏦 Bank / CSBFP Financing

$
%

CSBFP: Prime + 3% max (~8.45%). BDC: Prime + 2-4%

CSBFP: up to 15 yrs equipment, 10 yrs leasehold

$

CSBFP: 2% registration fee

🍁 CSBFP Limits: Up to $1.15M total ($500K leasehold, $1M equipment/property). Government-backed, easier approval for qualifying businesses.

📈 Key Metrics

Seller's Discretionary Earnings (SDE) $500,000
EBITDA (approx) $325,000
Asking Multiple (SDE) 3.0x
Revenue Multiple 0.6x
Gross Margin 40%
Total Debt Service (Annual) $175,000
Debt Service Coverage Ratio 2.3x
Cash-on-Cash Return (Year 1) 75%

⚡ Deal Score

Deal Quality Good Deal
0 72/100 100
✓ This deal shows solid fundamentals with reasonable risk
  • ✓ SDE Multiple under 4x
  • ✓ DSCR above 1.25x
  • ! Owner highly involved
  • ✓ 10+ years in business
Payback Period
4.2 yrs
5-Year ROI
285%
Break-even Monthly
$14.5K

💵 Cash Flow Analysis (CAD)

SDE (Annual) $500,000
− Bank/CSBFP Payment (Annual) -$95,000
− VTB Payment (Annual) -$87,000
− Manager Salary (if needed) -$0
= Pre-Tax Cash Flow $318,000
Your Investment $375,000
Year 1 Cash Flow $318,000
Cash-on-Cash Return 85%

🎯 Actions

📊 Canadian Industry Benchmarks

Metric This Deal Canadian Avg Status
SDE Multiple 3.0x 2.5-4.0x Fair
Gross Margin 40% 35-50% Good
DSCR 2.3x >1.25x Excellent
Revenue/Employee $167K $120-220K CAD Good

🎯 Acquisition Opportunities

Last Updated: Loading...
-
Total Listings
-
Hot 🔥
-
Active
-
Under LOI
🔍 Search Criteria ▼
📋 Oliver's Default Scan: Loading...
Status:

Loading listings...

📚 SMB Acquisition Resources

💡

Investment Thesis

Core strategy, sector rankings, and how AI creates value in trades businesses

→
🎯

Target Criteria

Deal structure, ideal profile, geography, and red flags to avoid

→
✅

Due Diligence Checklist

Comprehensive review guide covering financials, operations, legal, and assets

→
🔗

Broker & Listing Sources

Complete directory of marketplaces and Ontario-focused brokers

→

🔗 Quick Links to Marketplaces

BizBuySell DealStream N3 Business Keystone Aldrin