offers.ai
For owners 1–3 years from selling

See what a buyer would really pay — and fix what costs you money before they ask.

Connect QuickBooks and offers.ai runs the core of what a buyer’s diligence team checks — about 37 analyses, computed from your actual books — then hands you the number, the pushback they’ll bring, and a plain-English to-do list to close the gap before they ask.

  • ✓ No signup to try it
  • ✓ Read-only QuickBooks
  • ✓ Delete anything, anytime
See a sample dashboard →
60-second estimate

See what a buyer would pay

Pick your trade and enter a few numbers for an instant ballpark. No signup. The real number comes from your books.

✓ No signup, no email. The estimate stays in your browser.
★ Don’t know if it’s EBITDA or SDE? Most owners know their EBITDA but haven’t worked out their SDE. Connect QuickBooks and we’ll compute both exactly — plus the add-backs that move the price. 5 minutes, no signup.
What this actually is

A light Quality-of-Earnings workup — not a valuation calculator.

37
real checks a buyer would run, straight off your own QuickBooks — not a template.
2 months
& $25–75K is what a buyer’s diligence team spends finding these exact things.
$499
one-time. You get the same findings up front — while you can still fix them.
0
invented numbers. The software does the math; the AI just explains what it found.
What we actually check

Everything a buyer will scrutinize —
computed before they ask.

We rebuild what your business really earns — not just what the books happen to show. Browse the checks by category.

Rebuilds your real, defensible earnings from your QuickBooks — not just what the books happen to show.
01
Reported EBITDA
Worked out one consistent way (profit + depreciation + interest + taxes) so your P&L and your headline number always match.
02
Finds your add-backs automatically
Goes through your expenses for owner perks, one-time costs, personal items, family on payroll, and above-market rent.
03
EBITDA-to-SDE
Gets you from adjusted EBITDA to Seller’s Discretionary Earnings — adding your salary back, and handling owner draws separately.
04
What it costs to replace you
Compares your pay to what a manager would really cost to do your job — and flags it if you’re underpaying yourself.
A range based on your size with the multiple math shown — cross-checked against real sales, never from a single source.
01
Value range for your size
Picks the multiple that fits your earnings size — shown low / mid / high.
02
Comparable sales
Multiples blended from private-sale databases and surveys, cross-checked against how many real sales happened in your industry.
03
Per-trade comparable sales
Each trade has its own hand-built set of real comparable sales, grouped by size.
04
What moves your multiple
Seven named factors, each scored with how much it could add to your multiple.
05
Where you stand
Your margins, recurring-revenue share and customer concentration shown against the trade benchmark — ahead / at / behind.
Turns “can I sell this?” into the question buyers really ask: how solid is this profit when they dig in, when times get tight, and after you leave.
01
Real
Is the profit actually there? How many add-backs you’re leaning on, whether profit turned into cash, how fast customers pay, and money going to people connected to you.
02
Repeatable
Will it happen again next year? How much repeats, any one-off spikes, and customers you’ve lost.
03
Resilience
Does it survive key people leaving? Customer concentration, how much rides on you, your contracts, and revenue that could walk out the door.
04
Underwritable
Will a buyer’s bank lend on it? Whether the cash flow covers loan payments, and any equipment upkeep you’ve put off.
Down to each transaction, click to the source — grouped by real customer, with a warning if the books are too messy to trust.
01
Customer concentration
What share of revenue your top 1 / 3 / 5 / 10 / 20 customers make up, grouped by real customer.
02
Repeat vs one-time
How much revenue comes from customers who bought once vs. 2+ vs. 5+ times.
03
Merges duplicate customers
Combines “ABC Heating / LLC / Inc.” into one — and lists every version it merged.
04
Recurring vs project mix
Worked out from how many separate months each customer was actually billed — not just what you claim.
The closing-table fights buyers usually win — worked out ahead of time, with your move already written.
01
How much cash stays in the business
Figured five ways (12-month average, 6-month, seasonal, peak, low) showing which side each favors, plus our recommendation.
02
The customer-deposit fight
Finds money customers paid before the work was done, lays out the three ways to handle it, the dollars at stake, and draft contract wording.
03
Did profit become cash?
Checks whether your profit actually turned into cash — how fast customers pay you, how fast you pay bills, your cushion, and whether you can cover the short term.
04
Cash cycle
How long your cash is tied up — days to collect, plus days of inventory, minus days to pay — shown the same way everywhere so it never contradicts itself.
05
Overdue invoices
How much of what you’re owed is 90+ days late — and the markdown a careful buyer takes for it.
Will a bank finance it, and what does a buyer actually make? Built so a buyer’s own analyst could re-create it in half an hour.
01
Can the loan be repaid
Whether cash flow (after equipment upkeep) comfortably covers loan payments — against the standard bank and SBA bars — shown as a range, not fake precision.
02
What a buyer would make
Runs a private-equity buyer using a loan plus cash, a 5-year hold, three growth cases that taper, and your state’s taxes — showing their yearly return and how many times they get their money back.
03
What-if grids
Three maps showing how the buyer’s return shifts as things change — with a “you are here” marker.
04
Where the money comes from & goes
Exactly how a buyer funds the deal and where every dollar lands, balanced to the penny.
05
Sell now vs. hold
An honest look at selling now versus holding — and it says straight out what it doesn’t include, instead of faking a single number.
The exact things a buyer’s earnings-review team spends two months hunting for — shown to you privately, so you fix them first.
01
Equipment-upkeep reality check
Checks whether your depreciation lines up with the equipment spending a buyer expects — and handles the case where you have none on the books.
02
Money flowing to insiders
Looks through who you pay for rent to your own companies, family on payroll, and suspiciously round recurring payments.
03
Revenue borrowed from the future
Flags a recent spike that might be year-end stuffing or work billed early — borrowed from next year.
04
Ranked red-flag list
Customer concentration, how much rides on you, low recurring revenue, thin staff backup, postponed equipment spend, books quality — ranked by dollar impact.
05
Where your story and books disagree
When your survey answer doesn’t match your books, it shows you the mismatch privately.
Every line traces to a real QuickBooks entry — nothing made up when the source is right there.
01
Annual + monthly P&L
With a trailing-12-month column that always matches your headline number.
02
Cash-flow statement
Taken straight from QuickBooks’ own cash-flow statement — not rebuilt from scratch.
03
Balance-sheet health over time
Current ratio, quick ratio, working capital, debt-to-equity — tracked across the period.
04
Revenue trend
This year vs. last year, set against how fast the industry is growing.
05
Only complete months count
Only finished, closed months feed the numbers; half-done months are left out or clearly marked.

Your real earnings

Rebuilds your real, defensible earnings from your QuickBooks — not just what the books happen to show.
What the business actually earns
01
Reported EBITDA
Worked out one consistent way (profit + depreciation + interest + taxes) so your P&L and your headline number always match.
02
Finds your add-backs automatically
Goes through your expenses for owner perks, one-time costs, personal items, family on payroll, and above-market rent.
03
EBITDA-to-SDE
Gets you from adjusted EBITDA to Seller’s Discretionary Earnings — adding your salary back, and handling owner draws separately.
04
What it costs to replace you
Compares your pay to what a manager would really cost to do your job — and flags it if you’re underpaying yourself.
The headline metric

The Durability Score reframes “are you sellable?”

It answers the question a buyer’s diligence team actually asks: how durable is this EBITDA — under scrutiny, under stress, and after you leave? Four dimensions, each scored 0–100, every penalty sourced to your own data.

79
Overall
Real
65
Is this EBITDA actually there?
Repeatable
70
Will this revenue happen again next year?
Resilience
80
Does this business survive key people walking out?
Underwritable
100
Will a buyer's lender actually finance this?
Real65
Is this EBITDA actually there?
Repeatable70
Will this revenue happen again next year?
Resilience80
Does this business survive key people walking out?
Underwritable100
Will a buyer's lender actually finance this?
What you actually get

Real things in your hands.
Not a chatbot, not a calculator.

Three documents built from your books — Word, Excel and PowerPoint — each in a full seller version and a buyer-curated version, all off the same engine, so nothing drifts between formats. And they’re only part of what you get.

Editable Word memo

An editable working copy you can adapt.

The full diagnostic as a Word doc — a plain-English summary, how we rebuilt your real earnings, every add-back listed out, and the case for your price.

✓ Seller version✓ Buyer-curated version
Live Excel model

A working model you can dig into.

Not a dead printout — the math from your raw profit to your real number, the cash-tied-up scenarios and the value range are all live formulas. Change a number and the model updates.

✓ Seller version✓ Buyer-curated version
PowerPoint pitch deck

A branded slide deck, ready to present.

A clean PowerPoint version under your branding — for the buyer meeting, the lender, or the board.

✓ Seller version✓ Buyer-curated version

And the documents are just one slice. You also get the live, click-to-source dashboard and the Ask Anything AI assistant — both below — and on a real diagnostic every document goes deeper than a web preview can show.

Your prep cockpit

A live dashboard — not a static report.

Six tabs that mirror what a buyer sees, plus two private tabs they never see. Every number drills to the QuickBooks row behind it, and the model is yours to flex.

Overview

Your business at a glance

BH
Bob HardingHarding HVAC & Mechanical · Columbus, OH
Founded 1997 · 34 employees · 29 years building this

The Bottom Line

Harding HVAC & Mechanical is a healthy, owner-run shop throwing off $818K of adjusted EBITDA on $4.6M of revenue — the profile most lower-middle-market buyers in this trade look for. The catch is that a lot of what makes it work still runs through you personally, and many buyers price that risk in. Fix the two or three things in your plan before going to market and you change the number a buyer is likely to write.

Every number here is measured on your 36 closed months of books. A half-entered month can’t masquerade as a real change — in-progress periods are excluded until QuickBooks closes them.
Sample data · Illustrative
  • ✓ Adjust your add-backs and owner earnings yourself
  • ✓ “Ask Anything” AI that only answers from your books
  • ✓ Record or upload voice & video walkthroughs — from your phone
  • ✓ See the full math behind every number
Then take it to a buyer

Not just a memo to read —
a private deal room you control.

When you’re ready, share a verified view with a specific buyer, every number clicking to its source — and decide, section by section, exactly what they see. These are the real share controls. Flip one and watch the buyer’s screen change.

Share configurator
For: a specific buyer · scoped link · email required
Overview · Verified Financials · Customer Risk
The core verified package — the EBITDA bridge, every add-back click-to-source, revenue trend and customer concentration.
Always shared
Durability score
The headline score, across four parts.
Comparable deals & positioning
The cited deals behind your range, and how you stack up on the benchmark.
Comp-based value range
Your asking-price anchor — off by default, so you don't hand a buyer a number.
Value-driver map
The levers behind the range — off by default; it doubles as a buyer's negotiation map.
Financeability (DSCR) & capex
How comfortably the cash flow covers loan payments, plus the real cost to keep equipment current.
Acquisition returns (IRR / MOIC)
What a buyer would make — off by default; sharing it hands over the deal math.
Diligence Assistant chat
Let the buyer ask questions — answered only from the shared facts.
Allow downloads
Let this buyer download the Word, Excel & PowerPoint.
The buyer never sees your weak spots
Your ranked risks, your fix-it list, the places where your numbers and your story don’t quite line up — that’s yours alone. The buyer’s view can’t show it, even by accident. It’s not a setting you have to remember to switch off.
Diligence pack · prepared for you
Sunbelt HVAC & Mechanical
Email required · verified numbers · click any number to its source
Overview
The business at a glance
always
Verified Financials
Normalized earnings + every add-back, click to the QuickBooks row
always
Customer Risk
Revenue mix + customer concentration
always
Durability score
79 / 100, four parts
Comparable deals & positioning
Cited deals + benchmark, sourced
Financeability (DSCR) & capex
DSCR 2.20× + capex
Diligence Assistant
Buyer can ask questions — answered only from the shared facts
Downloads off
Buyer can view, not download
How it works

From your books to a memo that holds up with buyers — in four steps.

1

Connect QuickBooks

Read-only, sign-in through Intuit. We never write to your books. About 5 minutes.

2

Add the context books can’t show

A handful of short questions per trade — only what QuickBooks genuinely can’t derive.

3

See the free preview

Your buyer-readiness score, normalized EBITDA, value range and top flags — instantly, no signup.

4

Unlock the $499 memo

The full diagnostic, all three documents, and the interactive dashboard — plus the buyer deal room.

Built so a buyer’s team can’t poke a hole in it

The trust is the product.

A sophisticated reader will try to break every number. The credibility that lets a buyer’s team nod instead of wince is engineered, not promised.

No invented numbers, ever

The software does the math. The AI only puts words around a number it was handed — it never makes one up.

Click to the source

Click any headline number to see the real QuickBooks invoices and accounts behind it.

One number, everywhere

Each number is worked out once, in one place — so it reads the same on your dashboard, in the memo, in Excel and in the buyer’s view.

A bad number stops the report

Before anything goes out, every key number is checked a second way. If one doesn’t hold up, the report won’t release until it’s fixed.

Books-verified vs. owner-said

Every number is labeled by where it came from — your books, or your survey — so a buyer always knows.

Read-only, disconnect & delete

We can only read your books, never change them. Disconnect cuts our access instantly; delete means actually gone — not hidden in an archive.

Pricing

One product. One price.

Start with the free preview. Pay once — $499 — only when you want the full memo. No subscription, no per-seat pricing.

Try it first

Free preview

$0
  • ✓ Buyer-readiness score & normalized profit
  • ✓ A real value range from your actual books
  • ✓ Top flags — what a buyer would argue down
  • ✓ No signup, no email
Start the free preview →
Pre-sale diagnostic

The full memo

$499 one-time
  • ✓ Everything in the preview, in full
  • ✓ 37 QoE analyses — every figure traceable to the transaction
  • ✓ Documented add-back & owner-comp defense
  • ✓ Every red flag ranked with dollar impact + a fix
  • ✓ Editable Word + live Excel model + PowerPoint pitch deck
  • ✓ A private, scoped buyer deal room — you control every card
  • ✓ Three documents yours to keep + 12 months of live dashboard access
Start your diagnostic →
Think of it as a light Quality-of-Earnings report. A formal QoE from a CPA firm runs $25,000–$75,000 and adds proof-of-cash testing and tax-exposure review we don’t include. What we build is the heart of that review — your real profit documented down to each transaction, the cash a buyer expects to stay in the business, the issues their team will raise, and a defensible value range tied to recent sales in your trade — and it works for you, with your weak-spots list kept private by default.
Built for the trades

9 trades, served end-to-end.

HVACPlumbingElectricalRoofingLandscapingAuto RepairPest ControlJanitorial & Commercial CleaningRetail Bakeries

Each with its own price range, comparable sales and benchmarks — not a generic template. The financial analysis runs on any QuickBooks; 9 trades are dialed in today, with more coming.

See what your business is worth.

Sixty seconds. Four numbers. No signup, no email. Just a real answer.

Try it now →
offers.ai — see what a buyer would really pay for your business