The Private Market FinTech Platform

Know What Your
Business Is Worth.

VEM Logic™ is the financial intelligence platform built exclusively for private business owners — delivering institutional-grade valuation analysis, market benchmarking, and strategic insights in 48 hours at a fraction of traditional cost.

🏦SBA Financing
🤝Owner & Partner Buyouts
📋Buy-Sell Agreements
📈Equity Transactions
🧭Strategic Planning
🏡Estate & Succession

Flat fee — $999.95 — no retainers, no hourly surprises.

🔐 Bank-Level Encrypted Data Room
48-Hour Turnaround
📄 25+ Page Comprehensive Report
📊 7 Institutional Data Sources
🏦 SBA Lender Ready
🚀 Built for the Private Market

Built for the Moments
That Matter Most.

Whether you're planning an exit, securing financing, or protecting your equity — you need a valuation you can rely on.

🏦

SBA Financing & Pre-Screening

Understand your business's borrowing capacity before approaching lenders. A documented valuation strengthens your loan application and sets accurate expectations for deal structure.

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🤝

Owner & Partner Buyouts

Resolve equity disputes with objective, data-driven valuations. Establish a fair price that all parties can stand behind — without the cost of a full appraisal engagement.

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📋

Buy-Sell Agreements

Keep your buy-sell agreement current with a regularly updated valuation. Protect all stakeholders with a defensible methodology and documented assumptions.

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📈

Equity Transactions

Bringing on investors or issuing equity? Ground your negotiations in market data and validated multiples — not guesswork or inflated seller expectations.

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🧭

Strategic Planning

Benchmark where you are today so you can build toward where you want to be. Our Value Acceleration Roadmap identifies the specific drivers that move your multiple.

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🏡

Estate & Succession Planning

Give your attorney and financial advisor accurate, documented business value for estate planning purposes — without the months-long wait of a full certified appraisal.

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Simple. Secure. Fast.

From payment to report in 48 hours. A streamlined, three-step engagement.

01

Complete Your Business Profile

Answer a guided intake questionnaire about your business — revenue model, operations, customers, growth trajectory, and key risks. The more context you provide, the richer your report.

02

Upload Your Financial Documents

Securely upload your last 3 years of tax returns, P&L statements, and balance sheets to your private, encrypted data room. We accept all common formats — no special preparation required.

03

Receive Your Valuation Report

Within 48 hours, receive a 25+ page PDF report delivered directly to your inbox — including valuation range, methodology explanation, risk analysis, and your personalized Value Acceleration Roadmap.

A Report That Earns
Its Price.

Every VEM Logic™ report covers the financial and qualitative dimensions that sophisticated buyers, lenders, and advisors actually care about.

  • Normalized Financial Analysis

    We identify and document all owner add-backs (SDE) and normalize your financials against 2026 industry benchmarks for an accurate earnings picture.

  • Multi-Method Valuation

    We apply income, market, and asset-based methodologies — then weight and reconcile them into a defensible valuation range with full methodology disclosure.

  • Multi-Source Market Benchmarks¹

    Your valuation is benchmarked against multiple independent data sources including Pepperdine Private Capital Markets, DealStats, IBBA Market Pulse, BizBuySell, RMA, and Duff & Phelps/Kroll — the same data foundations used by professional M&A advisors.

  • Risk & Value Driver Scorecard

    A plain-English assessment of the factors increasing or decreasing your multiple — owner dependency, customer concentration, recurring revenue, and more.

  • Value Acceleration Roadmap

    Actionable, prioritized steps to increase your business value before a sale — the same framework used in M&A advisory engagements that cost 10x more.

VEM Logic™ Valuation Report
Prepared by VEM Logic AI · Confidential · 2026
Adjusted EBITDA$485,200
Seller's Discretionary Earnings$612,400
Revenue (TTM)$2,140,000
Revenue CAGR (3yr)+18.4%
Valuation Multiple Applied3.2× – 4.1× SDE
Pepperdine Cost of Capital22.0%
Estimated Enterprise Value
$1.96M — $2.51M
Weighted midpoint: $2.23M

Review a Complete Sample Report.

Download a complete sample VEM Logic™ valuation report for your industry. See the full scope of analysis — from SDE normalization and multi-method valuation to KPI scorecards and your personalized Value Acceleration Roadmap.

ManufacturingServicesRetailConstruction

Complimentary — provide your details on the following page.

Sophisticated Analysis.
Plain-English Results.

We apply the same valuation frameworks used by M&A advisors, private equity firms, and certified appraisers — then translate them into language any business owner can understand and act on.

METHOD 01

Income Approach

We calculate your Seller's Discretionary Earnings (SDE) and EBITDA after rigorous normalization, then apply market-validated multiples drawn from comparable transaction databases. The income approach is the primary methodology for most operating businesses.

METHOD 02

Market Approach

Your business is benchmarked against actual sale prices of comparable businesses using databases of private market transactions. We contextualize your revenue, margin, and growth profile against real market data — not generic rules of thumb.

METHOD 03

Asset-Based Approach

Where relevant, we assess the tangible and intangible asset base of the business to establish a floor value. This is particularly important for asset-heavy businesses or those with significant intellectual property or proprietary systems.

Built on Institutional-Grade Data Sources

VEM Logic™ draws from the same data foundations used by professional M&A advisors, certified appraisers, and private equity firms — not rules of thumb or generic industry averages.

🎓
Pepperdine Private Capital Markets Project

Cost of capital, investor return expectations, and deal structures by business size and industry — the gold standard for private market benchmarking.

💼
DealStats Transaction Database

Actual closed private business sale prices and multiples by industry, drawn from thousands of verified transactions.

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IBBA Market Pulse

Quarterly survey of real closed transactions from professional business brokers — direct insight into what buyers are actually paying.

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BizBuySell Transaction Reports

The largest marketplace dataset of small business sale prices and trends, updated quarterly.

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RMA Annual Statement Studies

Bank-grade industry financial ratios used by commercial lenders nationwide for underwriting and benchmarking.

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Duff & Phelps / Kroll Cost of Capital Navigator

The industry standard for discount rates, equity risk premiums, and cost of capital by industry and company size.

🎯
Damodaran Online (NYU)

Publicly validated industry multiples and risk data maintained by Professor Aswath Damodaran — widely cited across the valuation profession.

Multiple independent sources mean your valuation is triangulated — not dependent on a single dataset.¹

¹ Data Sources Disclosure: VEM Logic™ valuations incorporate benchmarks and data from the Pepperdine Private Capital Markets Project, DealStats, IBBA Market Pulse, BizBuySell, Risk Management Association Annual Statement Studies, Duff & Phelps/Kroll Cost of Capital Navigator, and Damodaran Online. VEM Logic is not affiliated with or endorsed by any of these organizations.

One Price. No Surprises.

Traditional business valuations cost $5,000–$25,000 and take weeks. VEM Logic delivers institutional-grade analysis in 48 hours at a fraction of the cost.

Complete Valuation Report
$999.95
One-time flat fee · Delivered in 48 hours
  • 25+ page comprehensive valuation report (PDF, print-ready)
  • Multi-method analysis — Income, Market, and Asset approaches reconciled
  • SDE & EBITDA normalization with full add-back documentation
  • Pepperdine benchmark integration for cost of capital and market context
  • Risk & value driver scorecard with qualitative assessment
  • Value Acceleration Roadmap — prioritized steps to increase your multiple
  • Bank-level encrypted document storage and data room
  • Suitable for SBA pre-screening, buy-sell agreements, strategic planning, and transaction pre-diligence

Secure checkout · Instant access to your data room after payment

🔐Your documents are encrypted in transit and at rest. We never share your data.

Common Questions.

At a minimum, we need your last 3 years of business tax returns (Form 1120S or 1065), P&L statements, and most recent balance sheet. Current-year YTD financials are also helpful.
No. VEM Logic produces a Calculation of Value intended for strategic planning, transaction pre-screening, buy-sell agreements, and SBA financing discussions. It is not a Certified Appraisal or USPAP-compliant appraisal.
VEM Logic is not a calculator — it is a financial intelligence platform. Generic tools apply a single rule-of-thumb multiple. VEM Logic analyzes your actual normalized financials, applies all three valuation methodologies, and benchmarks your KPIs against real industry data from 7 institutional sources.
VEM Logic is purpose-built for the private business market — companies with annual revenues between $500,000 and $15 million.