Mid-Atlantic (NY) HVAC Business: 4.45x SDE Multiple, 1.32x Stressed DSCR — Grade C#2356703

Mid-Atlantic (NY) · HVAC / Plumbing / Electrical Services
C

Upstate New York Residential HVAC & Plumbing Company

Asking price band$4M – $4.5M
SDE multiple4.45x
Estimated annual debt service12.5% down · 9.5% rate · 10-yr SBA term$597,817
DSCR — as stated1.65
DSCR — stressedSDE haircut 20%, per SBA lender stress-test convention1.32
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 Mid-Atlantic (NY). It has been screened against this cycle's batch of comparable listings and graded C — tight 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.