# Biz Scorecard

> AI-powered deal analyzer for small business acquisitions. Paste a listing URL, screenshot, or text to get a 0–100 deal score, DSCR, cash flow after debt service, break-even, and 5-year projection in under two minutes. Free, no signup required.

Biz Scorecard is an educational tool for prospective buyers evaluating US-based small business acquisitions — covering SDE multiples, DSCR, SBA 7(a) and seller financing, ROBS, cash to close, and overall deal structure. It does not provide financial, investment, legal, or tax advice.

## Key pages

- [Analyzer](https://bizscorecard.com/analyzer): The main deal scoring tool — paste a listing URL, screenshot, or text to get a full analysis.
- [How scoring works — Methodology](https://bizscorecard.com/methodology): Every formula, default value, and scoring threshold used by the analyzer, in plain English.
- [Glossary](https://bizscorecard.com/glossary): Plain-English definitions of SMB acquisition terms: SDE, DSCR, SBA 7(a), ROBS, LOI, APA, QofE, Cash to Close, and more.
- [FAQ](https://bizscorecard.com/faq): Answers to the most common questions buyers ask about SDE, DSCR, SBA 7(a) loans, ROBS, seller financing, QofE, cash to close, and how the deal score works.
- [Free Calculators](https://bizscorecard.com/calculators): DSCR, SDE Multiple Valuation, SBA Loan Payment, Break-Even Revenue, Cash-on-Cash Return, Working Capital, Seller Financing Affordability, and more.
- [Blog](https://bizscorecard.com/blog): Practical guides on buying, financing, and analyzing small businesses.
- [SMB Business Valuation Calculator](https://bizscorecard.com/smbvaluation): Free deal-modeling tool: enter SDE or EBITDA, apply a quality scorecard, model SBA 7(a) financing, and stress-test DSCR and cash to close.
- [About](https://bizscorecard.com/about): What Biz Scorecard is and who it's for.

## Blog posts

- [Biz Scorecard vs. BizHubData: Which Small Business Acquisition Analysis Tool Is Right for You? — Biz Scorecard](https://bizscorecard.com/blog/bizscorecard-vs-bizhubdata-small-business-acquisition-tools)
- [Best AI Tools for Business Acquisition Analysis in 2026 — Biz Scorecard](https://bizscorecard.com/blog/best-ai-tools-business-acquisition-analysis)
- [How to Read a BizBuySell Listing Like a Pro — Biz Scorecard](https://bizscorecard.com/blog/how-to-read-a-bizbuysell-listing)
- [The Biz Scorecard Resource Guide: Books, Podcasts, and Channels Worth Your Time — Biz Scorecard](https://bizscorecard.com/blog/acquisition-resource-guide)
- [Warren Buffett Built the World's Greatest Acquisition Machine — Biz Scorecard](https://bizscorecard.com/blog/warren-buffett-berkshire-acquisition-lessons)
- [Stop Waiting to Buy a Business. Here's What to Do Today — Biz Scorecard](https://bizscorecard.com/blog/stop-waiting-buy-a-business-start-today)
- [It's Never Too Late to Buy a Business — Biz Scorecard](https://bizscorecard.com/blog/never-too-late-buy-a-business)
- [How to Buy a Small Business: A Complete Beginner's Guide — Biz Scorecard](https://bizscorecard.com/blog/how-to-buy-a-small-business-beginners-guide)
- [I've Analyzed Hundreds of Businesses for Sale. Here's How Many Are Overvalued — Biz Scorecard](https://bizscorecard.com/blog/how-many-businesses-for-sale-are-overvalued)
- [Five Paths to Buying a Business: Which Route Is Right for You? — Biz Scorecard](https://bizscorecard.com/blog/five-paths-to-buying-a-business)
- [Even Elon Musk Buys More Than He Builds: The Case for Business Acquisition — Biz Scorecard](https://bizscorecard.com/blog/elon-musk-business-acquirer)
- [Buy Then Build vs. Main Street Millionaire: Two Books, One Movement — Biz Scorecard](https://bizscorecard.com/blog/buy-then-build-vs-main-street-millionaire)
- [Bet on Yourself: The First Step to Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/bet-on-yourself-buy-a-business)
- [How to Actually Use AI in Your Business Buying Journey (and When to Stop and Call a Human) — Biz Scorecard](https://bizscorecard.com/blog/use-ai-business-buying-journey)
- [Quietlight vs. Empire Flippers vs. FE International: Which Online Business Broker Is Right for You? — Biz Scorecard](https://bizscorecard.com/blog/quietlight-vs-empire-flippers-vs-fe-international)
- [I Read Main Street Millionaire and Watched 50 Codie Sanchez Videos. Here's What I Found — Biz Scorecard](https://bizscorecard.com/blog/main-street-millionaire-codie-sanchez)
- [How to Value and Diligence an Off-Market Business When There's No Broker — Biz Scorecard](https://bizscorecard.com/blog/how-to-value-off-market-business-no-broker)
- [I Read the HBR Guide to Buying a Small Business. Here's What I Found — Biz Scorecard](https://bizscorecard.com/blog/hbr-guide-buying-small-business)
- [I Listened to 40 Episodes of Acquiring Minds. Here's What I Found — Biz Scorecard](https://bizscorecard.com/blog/40-episodes-acquiring-minds)
- [The Working Capital Peg: The Most-Negotiated Number at Closing — Biz Scorecard](https://bizscorecard.com/blog/working-capital-peg-business-acquisition)
- [Asset Sale vs. Stock Sale: The $200K Tax Decision Most Buyers Miss — Biz Scorecard](https://bizscorecard.com/blog/stock-sale-vs-asset-sale-tax-decision-buyers)
- [Seller Notes That Get Approved: Standby vs. Full Standby vs. Partial — Biz Scorecard](https://bizscorecard.com/blog/seller-notes-sba-standby-approval)
- [Replacing the Founder's Rolodex: Building Your Own Network in a Business You Just Bought — Biz Scorecard](https://bizscorecard.com/blog/replace-founder-rolodex-after-acquisition)
- [Quality of Earnings Lite: A 2-Hour DIY QoE Before You Spend $15K — Biz Scorecard](https://bizscorecard.com/blog/quality-of-earnings-diy-checklist)
- [Off-Market Deal Sourcing: A 90-Day Direct Mail Playbook for Solo Searchers — Biz Scorecard](https://bizscorecard.com/blog/off-market-deal-sourcing-direct-mail-playbook)
- [How to Pick a Vertical: Building an Industry Thesis Before You Search — Biz Scorecard](https://bizscorecard.com/blog/industry-thesis-pick-vertical-business-acquisition)
- [The First 90 Days After Closing: A Buyer's Owner-Transition Playbook — Biz Scorecard](https://bizscorecard.com/blog/first-90-days-after-closing-owner-transition)
- [Earnouts That Don't Blow Up: 5 Clauses Every Buyer Should Insist On — Biz Scorecard](https://bizscorecard.com/blog/earnout-clauses-buyer-protection)
- [Customer Concentration: Why 1 Customer at 30% Can Kill Your SBA Loan — Biz Scorecard](https://bizscorecard.com/blog/customer-concentration-sba-loan-risk)
- [What Zillow Did for Real Estate — and What's Happening to Business Acquisition — Biz Scorecard](https://bizscorecard.com/blog/zillow-for-business-acquisitions)
- [5 Reasons Business Buyers Never Buy — Biz Scorecard](https://bizscorecard.com/blog/why-business-buyers-dont-buy)
- [Keeping the Seller and Staff After the Sale: Transition and Retention Agreements — Biz Scorecard](https://bizscorecard.com/blog/transition-retention-agreements-business-acquisition)
- [Tax Returns vs. P&Ls When Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/tax-returns-vs-pl-business-acquisition)
- [How to Stress-Test a Deal Before Signing an LOI — Biz Scorecard](https://bizscorecard.com/blog/stress-test-business-acquisition)
- [Stay in Your Career or Buy a Business? A Decision Framework for Mid-Career Professionals — Biz Scorecard](https://bizscorecard.com/blog/stay-in-career-or-buy-a-business-framework)
- [The Silver Wave: Buy a Business Before It Disappears — Biz Scorecard](https://bizscorecard.com/blog/silver-wave-business-acquisition-opportunity)
- [Seller Financing Structures: Types, Rates, and Terms — Biz Scorecard](https://bizscorecard.com/blog/seller-financing-business-acquisition)
- [Self-Funded Search vs. Search Fund: Which Path Is Right for You? — Biz Scorecard](https://bizscorecard.com/blog/self-funded-search-vs-search-fund)
- [SDE & EBITDA Multiples: How to Value a Small Business — Biz Scorecard](https://bizscorecard.com/blog/sde-multiple-business-valuation)
- [SBA 7(a) Loan Amortization Explained: Payments, Floating Rates, and Prepayment Penalties — Biz Scorecard](https://bizscorecard.com/blog/sba-loan-amortization-business-acquisition)
- [The SBA Change of Ownership Process Explained — Biz Scorecard](https://bizscorecard.com/blog/sba-change-of-ownership-process)
- [SBA 7(a) Loan Underwriting: Documents, Timeline, and What Causes Declines — Biz Scorecard](https://bizscorecard.com/blog/sba-7a-underwriting-process-business-acquisition)
- [Representations and Warranties in a Business Acquisition APA — Biz Scorecard](https://bizscorecard.com/blog/representations-and-warranties-business-acquisition)
- [Recasting: The Foundation of Every Real Business Valuation — Biz Scorecard](https://bizscorecard.com/blog/recasting-business-financials-acquisition)
- [Quality of Earnings Report: What It Is and When Buyers Need One — Biz Scorecard](https://bizscorecard.com/blog/quality-of-earnings-report-business-acquisition)
- [Non-Compete Agreements When Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/non-compete-agreement-business-acquisition)
- [How to Calculate the Maximum Price You Can Pay for a Business — Biz Scorecard](https://bizscorecard.com/blog/max-price-business-acquisition)
- [Managing Employees After Acquiring a Business: The New Owner's Playbook — Biz Scorecard](https://bizscorecard.com/blog/managing-employees-after-business-acquisition)
- [LOI Exclusivity Explained: How Long to Ask For, Why It Matters, and How to Negotiate It — Biz Scorecard](https://bizscorecard.com/blog/loi-exclusivity-period-business-acquisition)
- [How to Use LinkedIn to Find Off-Market Business Sellers — Biz Scorecard](https://bizscorecard.com/blog/linkedin-outreach-find-business-sellers)
- [Is This Business a Good Fit for You? A Framework Beyond the Financials — Biz Scorecard](https://bizscorecard.com/blog/is-this-business-a-good-fit-for-you)
- [How to Tell if a Business Is Worth Pursuing: A Buyer's Initial Vetting Framework — Biz Scorecard](https://bizscorecard.com/blog/initial-deal-vetting-business-acquisition)
- [The Information Asymmetry Problem in Business Acquisitions — Biz Scorecard](https://bizscorecard.com/blog/information-asymmetry-business-acquisition)
- [How to Write an LOI for a Small Business Acquisition: Term-by-Term Guide — Biz Scorecard](https://bizscorecard.com/blog/how-to-write-an-loi-for-a-small-business-acquisition)
- [How to Work With Business Brokers: A Buyer's Guide to Getting Taken Seriously — Biz Scorecard](https://bizscorecard.com/blog/how-to-work-with-business-brokers)
- [How to Present Yourself to an SBA Lender When Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/how-to-present-yourself-to-a-lender-business-acquisition)
- [How to Negotiate Buying a Small Business: A Tactical Guide for Buyers — Biz Scorecard](https://bizscorecard.com/blog/how-to-negotiate-buying-a-small-business)
- [How to Make Your LOI Stand Out When There Are Multiple Buyers — Biz Scorecard](https://bizscorecard.com/blog/how-to-make-your-loi-stand-out)
- [How to Interview a Seller When Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/how-to-interview-a-seller-business-acquisition)
- [How to Buy a Business With No Money Down: 6 Realistic Strategies — Biz Scorecard](https://bizscorecard.com/blog/how-to-buy-a-business-with-no-money-down)
- [How to Grow a Business After Buying It: From $10K to $25K/Month — Biz Scorecard](https://bizscorecard.com/blog/grow-small-business-after-acquisition)
- [Buying a Business from a First-Generation Seller — Biz Scorecard](https://bizscorecard.com/blog/first-generation-seller-business-acquisition)
- [Your First 100 Days as a New Business Owner — Biz Scorecard](https://bizscorecard.com/blog/first-100-days-new-business-owner)
- [Setting Up Financial Controls After Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/financial-controls-after-business-acquisition)
- [The Escrow Holdback in a Business Acquisition — Biz Scorecard](https://bizscorecard.com/blog/escrow-holdback-business-acquisition)
- [Due Diligence Timeline After the LOI: Week by Week — Biz Scorecard](https://bizscorecard.com/blog/due-diligence-timeline-after-loi)
- [How to Use Due Diligence Findings to Renegotiate (or Walk Away from) a Deal — Biz Scorecard](https://bizscorecard.com/blog/due-diligence-findings-renegotiate-business-acquisition)
- [Due Diligence Documents Every Business Buyer Should Request — Biz Scorecard](https://bizscorecard.com/blog/due-diligence-checklist-business-acquisition)
- [DSCR for business acquisition: formula, SBA minimums, and what buyers need — Biz Scorecard](https://bizscorecard.com/blog/dscr-business-acquisition)
- [Customer Concentration in Business Acquisitions: What to Look For — Biz Scorecard](https://bizscorecard.com/blog/customer-concentration-business-acquisition)
- [Conventional Loans for Buying a Business: How They Compare to SBA — Biz Scorecard](https://bizscorecard.com/blog/conventional-loan-business-acquisition)
- [The Capital Stack in a Small Business Acquisition — Biz Scorecard](https://bizscorecard.com/blog/capital-stack-business-acquisition)
- [Can This Business Run Without Me? How to Evaluate Operator Independence — Biz Scorecard](https://bizscorecard.com/blog/can-this-business-run-without-me)
- [Buying vs. Starting a Business: The Case for Acquisition Over a Startup — Biz Scorecard](https://bizscorecard.com/blog/buying-vs-starting-a-business)
- [Why Every Serious Buyer Needs a Target Statement — Biz Scorecard](https://bizscorecard.com/blog/buyer-target-statement-business-acquisition)
- [Buy Then Build: Platform Acquisitions and Bolt-On Strategy — Biz Scorecard](https://bizscorecard.com/blog/buy-then-build-platform-acquisitions)
- [Business Acquisition Calculator vs. Scorecard: What's the Difference? — Biz Scorecard](https://bizscorecard.com/blog/business-acquisition-calculator-vs-scorecard)
- [BizBuySell vs. BizQuest vs. BusinessBroker.net: Which Marketplace Should You Use? — Biz Scorecard](https://bizscorecard.com/blog/bizbuysell-vs-competitors-business-marketplace)
- [Asset Sale vs. Stock Sale: What Every Business Buyer Needs to Know — Biz Scorecard](https://bizscorecard.com/blog/asset-sale-vs-stock-sale-business-acquisition)
- [10 Signs You're Looking at a Bad Business to Buy — Biz Scorecard](https://bizscorecard.com/blog/10-signs-of-a-bad-business-to-buy)
- [Working Capital in a Business Acquisition: What to Expect by Business Type — Biz Scorecard](https://bizscorecard.com/blog/working-capital-business-acquisition)
- [Seller Full Standby: How It Works and Why It's One of the Best Deal Structures in SBA Acquisitions — Biz Scorecard](https://bizscorecard.com/blog/seller-full-standby-business-acquisition)
- [Seller Earnouts in Business Acquisitions: How They Work, When to Use Them, and What to Watch Out For — Biz Scorecard](https://bizscorecard.com/blog/seller-earnout-business-acquisition)
- [Why Brokers Use Only the Most Recent SDE (And What a 3-Year Weighted Average Shows) — Biz Scorecard](https://bizscorecard.com/blog/sde-weighted-average-business-acquisition)
- [SDE Addbacks in Business Acquisitions: Real vs. Inflated — Biz Scorecard](https://bizscorecard.com/blog/sde-addbacks-business-acquisition)
- [Operator Replacement Salary in Business Acquisitions: How to Figure It In — Biz Scorecard](https://bizscorecard.com/blog/operator-replacement-salary-business-acquisition)
- [How to Read a CIM: What to Look For (and What Brokers Hope You Miss) — Biz Scorecard](https://bizscorecard.com/blog/how-to-read-a-cim-business-acquisition)
- [FF&E and Inventory in a Business Acquisition: What Buyers Need to Know — Biz Scorecard](https://bizscorecard.com/blog/ffe-and-inventory-business-acquisition)
- [Asking Price vs. Close Price in Small Business Acquisitions — Biz Scorecard](https://bizscorecard.com/blog/asking-price-vs-close-price-business-acquisition)
- [From $0 to $10K/Month Through Business Acquisition — Biz Scorecard](https://bizscorecard.com/blog/zero-to-10k-per-month-business-acquisition)
- [How to Negotiate Business Acquisition Terms: Seller Notes, Earnouts & Non-Competes — Biz Scorecard](https://bizscorecard.com/blog/when-terms-matter-more-than-price)
- [SDE vs EBITDA: Which Metric to Use When Buying a Small Business — Biz Scorecard](https://bizscorecard.com/blog/sde-vs-ebitda-business-acquisition)
- [ROBS Financing for Business Acquisition: Pros, Cons, and Alternatives — Biz Scorecard](https://bizscorecard.com/blog/robs-financing-business-acquisition)
- [How to read a P&L statement like a pro (small business buyer's guide) — Biz Scorecard](https://bizscorecard.com/blog/how-to-read-a-pl-statement-like-a-pro)
- [How to Find a CPA Who Understands Business Acquisitions — Biz Scorecard](https://bizscorecard.com/blog/how-to-find-a-cpa-for-business-acquisition)
- [Buying a Business That Includes Real Estate: What to Know — Biz Scorecard](https://bizscorecard.com/blog/business-acquisition-with-real-estate)
- [The 60-Day Business Acquisition Timeline Explained — Biz Scorecard](https://bizscorecard.com/blog/business-acquisition-timeline-60-days)
- [What a Good Attorney Should (and Shouldn't) Do When Buying a Business — Biz Scorecard](https://bizscorecard.com/blog/boring-business-what-a-good-attorney-should-do)
- [How to Generate Off-Market Business Deals (Step-by-Step) — Biz Scorecard](https://bizscorecard.com/blog/boring-business-how-to-generate-off-market-deals)
- [SBA 7(a) loan guide for buying a business: rates, DSCR, what gets denied — Biz Scorecard](https://bizscorecard.com/blog/sba-7a-loan-guide-for-buying-a-business)
- [10 red flags in a business-for-sale listing (BizBuySell, Acquire.com, Bizscout) — Biz Scorecard](https://bizscorecard.com/blog/red-flags-in-a-business-for-sale-listing)
- [From listing to LOI in 10 steps: a 14-day playbook for buying a small business — Biz Scorecard](https://bizscorecard.com/blog/from-listing-to-loi-in-10-steps)
- [How to analyze a business for sale (BizBuySell, Acquire.com, Bizscout) — Biz Scorecard](https://bizscorecard.com/blog/how-to-analyze-a-business-for-sale)