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Banker Valuation provides the banking, lending and wealth management communities with an accurate business valuation calculator and the most reliable information available on comparable transactions for small businesses.

Since 2004, our business valuation calculator, which uses our internal comparables database to help our subscribers obtain an accurate and reliable estimate of a business value in 15 minutes or less, has generated more than 8,000 business valuations. Our small business comps database and business valuation calculator focus on “main street” businesses with annual revenues between $250,000 and $5 million.

Bankers, lenders and wealth advisors alike, use our business valuation calculator for a variety of applications, including but not limited to the following:

  • SBA Lenders – our valuation report is accepted by the SBA for loans $250,000 and under, when a third party valuation is not required. Many of our SBA lending subscribers rely on Banker Valuation to assess or pre-screen a business value, regardless the size, and to confirm the purchase price is reasonable at the beginning of the loan process.
  • Conventional Lenders – depend on Banker Valuation for business loans that have a component of family/privately owned business as collateral
  • Wealth Management Planning– utilize our business valuation calculator for estate planning and wealth management when a business is involved.
  • Lending Service Providers – count on Banker Valuation to assist their clients during the lending process.

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BV has an updated business valuation calculator using a comparables database to help our members obtain accurate and reliable estimates for "main street" business...

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Since 2002, Banker Valuation and our affiliates have gathered information on over 10,000 transactions from SBA lending transactions. All transactions are updated frequently and an average of 100 new comps are added each month. In addition, all transactions in our database share the following characteristics:

  • The data has been filtered and cross-checked for inconsistencies, errors and identical transactions.
  • Approximately 90% of the transactions are “asset sales”; however, if included in the sale, all real estate, cash, accounts receivable, non-operating assets, and all liabilities have been stripped to achieve a typical "asset sale".
  • Each transaction is categorized by NAICS code, industry classification or keyword, and typical financial variables for maximum search ability.
  • All company names have been eliminated and replaced by keyword or industry classification for confidentiality.

Each comparable transaction includes the following:

  • Business type
  • North American Industrial Classification System (NAICS) Code
  • NAICS industry classification
  • Enterprise or “asset” price (furniture, fixtures, equipment, inventory & goodwill)
  • Transaction Date
  • Transaction State
  • Revenue
  • Seller’s Discretionary Earnings (SDE)
  • Adjusted Earnings Before Interest, Taxes, Depreciation & Amortization (EBITDA)
  • Assets (Inventory, Furniture, Fixtures & Equipment)
  • Transaction price and associated multiples include normal fixed assets, normal inventory, and goodwill

Banker Valuation's business valuation calculator uses the following approaches:

  1. Asset Approach – for asset intensive businesses and/or holding companies, the asset approach is sometimes used. It is typically calculated as adjusted assets less adjusted liabilities.
  2. Market Approach – using Banker Valuation’s internal small business comps database, the user can search for specific comparable transactions based on NAICS, revenue or profit size, keyword, and various other variables. The market approach uses a price to revenue, price to SDE, and price to EBITDA calculations. This method can be weighted when good comparable transactions are available.
  3. Income Approach – Banker Valuation’s business valuation calculator uses a discounted future cash flow method starting with EBITDA and using a buildup discount / capitalization rate specific to EBITDA cash flow. The discount rate is based on risk variables that tend to have the most impact on values of small businesses.

Banker Valuation was created by GCF Valuation, a full service business valuation firm located in Tampa, Florida. GCF Valuation specializes in the valuation of small to mid-market businesses for mergers & acquisitions, lending, estate planning, ESOP, divorce and litigation support. GCF Valuation and its principals, collectively, have more than 50 years of relevant experience in the areas of investment banking, corporate development and business valuation.

Creator – Steve A. Mize, ASA

Steve Mize, ASA is the managing partner of GCF Valuation and is responsible for Business Valuations and matters of litigation support. He is an Accredited Senior Appraiser of the American Society of Appraisers in Business Valuation and is an experienced business valuation professional with concentration in the development and implementation of valuation and financial strategies. He has been directly involved in numerous business valuation engagements for estate and gift tax purposes, feasibility analysis, mergers and acquisitions, dissenting shareholder actions, Employee Stock Ownership Plans, as well as consulting engagements related to fairness opinions, private transactions, and value improvement. Mr. Mize engages with accountants, attorneys, commercial bank lenders, and bank trust officers across the United States for purposes of Business Valuation, Value Improvement, and related topics. His professional affiliations include the American Society of Appraisers (ASA) and the Institute of Business Appraisers (IBA).

Principal and Managing Director – Lori Mize

With a background in marketing and project management for a successful dotcom company, Lori Mize became involved in business valuation she began working for GCF Valuation in 2002. During that time, Banker Valuation was developed specifically to meet the needs of GCF’s third-party business valuation clients (primarily SBA Lenders for 7A loans) who were in need of a web-based, user-friendly and more importantly accurate, business valuation calculator to help estimate a company’s value.

In 2004, we decided to separate Banker Valuation from GCF Valuation and Lori has been at the helm of the company ever since. The web-based business valuation calculator is now used by many of the nation’s top lenders as a prescreening tool for SBA 7A loans of any size and its valuation report meets the SBA’s requirement for internal business valuations for loans $250,000 and under. Currently, 5 of the top 10 most active SBA lenders use our business valuation calculator for SBA lending purposes. The program is also commonly used by community banks, credit unions and other lending service.

Under Lori’s leadership, Banker Valuation’s customer base has expanded beyond the SBA lending community and now includes conventional lenders, wealth management professionals, and other business professionals who use our calculator to help clients find out how much their company is worth.

How It Works

Click on a video below to see our process

How to do a Comps Search

How to do a Business Valuation

Our Users

Banker Valuation is a valuable a tool we use to produce a loan approval. It is easy to use, reliable, tested and has proven to be an indispensable resource we wield to provide an accurate business value, of which we base our credit decisions on. I highly recommend it.
Tim HubertSunTrust Bank
Banker Valuation provides a quick and easy desktop valuation tool that replaced spreadsheets we used years ago.  For more than nine years, we have used the service to assist us with screening Asset Purchase and Stock Purchase loan applications to be guaranteed by the U.S. Small Business Administration.  Desktop Valuations can be completed in less than 20 minutes and the user has access to a large database of comparable transactions that can demonstrate industry specific valuation ratios. I recommend Banker Valuation!
Richard MasonFulton Bank
As the nation's largest Lender Service Provider, Holtmeyer & Monson has successfully used Banker Valuation since 2008.  We use this product on a regular basis, and have found it to be invaluable as we complete SBA loan applications.  Banker Valuation offers a very robust and valuable tool, and meets all of our requirements.  We highly recommend Banker Valuation.
Arne MonsonHoltmeyer & Monson
We find Banker Valuation to be a useful tool in having strategic conversations with the business owner around the value range of their business. Discussing business value and ways to enhance business value positions us as a trusted advisor to the business owner. The business valuation software is a valuable tool for bankers, business consultants and wealth managers.
Chuck OwstonFlorida Capital Bank
Your tool is super helpful. I have been using it for few years now and recommend it to other SBA Lenders. I use it for formal business valuations for small SBA loans, as well as to look at the comps for professional business acquisitions that we choose to do conventionally.
Katerina KuznetsovaKitsap Bank

Contact Us

For general inquiries, subscription information and information about multiple user discounts, please contact:

Financial Media Inc. | Banker Valuation
3516 Belle Vista Drive E.
St Pete Beach, FL 33706

Phone Number
727-803-0204

Lori Mize, Director
lmize@bankervaluation.com
727-803-0204, ext 3

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Banker Valuation3516 Belle Vista Drive E.
St Pete Beach, FL 33706
727-803-0204