Midwest (MI) HVAC Business: 3.0x SDE Multiple, 1.96x Stressed DSCR — Grade B#2455495

Midwest (MI) · HVAC / Plumbing / Electrical Services
B

Residential HVAC Company – Southeast Michigan

Asking price band$900K – $1M
SDE multiple3.0x
Estimated annual debt service12.5% down · 9.5% rate · 10-yr SBA term$125,677
DSCR — as stated2.45
DSCR — stressedSDE haircut 20%, per SBA lender stress-test convention1.96
Price move to hit 1.25x stressedStandard SBA lender comfort thresholdClears at ask

This is a HVAC/Plumbing/Electrical service business currently listed for sale in Midwest (MI). It has been screened against this cycle's batch of comparable listings and graded B — moderate relative to the current market, based on how much cushion remains in its cash flow after a standardized SBA stress test, not an absolute rating of the business itself.

Full listing details, including the exact asking price, broker contact, and target-offer price, are available to members.