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Valuation Carryback Seller strategy Marketplace

Tool / 01 - Valuation

See the value framework before you name a price.

Model the right economic lens for your ownership structure. You control the assumptions; the page keeps the diligence visible.

Your model. Your terms.

Choose the ownership model first. Every calculation stays editable, and the output tells you what deserves real diligence.

Ownership model

Start with what is actually being transferred.

Annual commission / revenue$Normalized EBITDA marginEditable planning input%

Use a normalized EBITDA override

Editable EBITDA multiples

Low scenario×Base scenario×High scenario×

Planning output

Your scenario envelope.

Low planning scenario$1,400,0007.0×

Base planning scenario$1,600,0008.0×

High planning scenario$2,000,00010.0×

Normalized EBITDA used: $200,000. This keeps the math distinct from a revenue-only book-transfer scenario.

Planning scenario only. Inputs are editable. Results are not an appraisal, financing offer, legal or tax advice, or a carrier approval decision.

Diligence lens

What moves an independent deal.

Normalize owner compensation and document every add-back.
Show retention by cohort, carrier concentration, and client mix.
Separate book-transfer economics from a going-concern enterprise sale.
Pressure-test buyer fit, leadership continuity, and staff depth.

Method note

A range is not a promise.

Independent scenarios use user-editable normalized EBITDA and multiples. Captive scenarios require a confirmed carrier path and use user-editable rights-transfer multiples. Neither approach substitutes for diligence, a formal valuation, agreement review, or buyer underwriting.

Turn this into a decision plan

Planning scenarios for insurance agency owners. Not an appraisal, financing offer, legal or tax opinion, or carrier approval decision.

Discuss a confidential deal