Our Services

Whether you need to know the value of your business for a sale, loan, or buy-sell agreement, B & A Business Valuations can help. Here at B & A Business Valuations, we offer a wide range of valuation options to fit your business needs:

Our Services

Whether you need to know the value of your business for a sale, loan, or buy-sell agreement, B & A Business Valuations can help. Here at B & A Business Valuations, we offer a wide range of valuation options to fit your business needs:

Conclusion of Value

Our Conclusion of Value is a well-supported, written report that provides a clear,

professional opinion of the value of a business. Our conclusion is based on thorough

analysis and adherence to the rigorous professional standards of the National Association

of Certified Valuators and Analysts (NACVA). A Boyce Wealth conclusion of value report

clearly communicates the results, methods, and reasoning, enabling clients and decision-

makers to rely on credible and transparent valuation findings.

Key features include:

Clear identification of the business and interest being valued
A specific valuation date and purpose
Detailed explanation of the approaches and assumptions used
Full disclosure of limitations, scope, and supporting information
Consideration of all 3 NACVA-recognized approaches to value
A conclusion of value that stands up to scrutiny and supports informed decision-
making

A NACVA-certified Conclusion of Value demonstrates independence, objectivity, and expertise—ensuring confidence for buyers, sellers, partners, and other stakeholders in every critical business transaction. This level of report is most appropriate in scenarios requiring a comprehensive, defensible business valuation supported by thorough analysis and adherence to strict standards.

Common scenarios include:

Business sales, mergers, and acquisitions where an objective opinion of value is essential for negotiations and transaction structuring.
Litigation support, such as divorce, shareholder disputes, and economic damages cases, where credible valuation testimony or reports are needed.
Estate and gift tax planning or reporting, where an authoritative value is necessary for IRS compliance and to support tax positions.
Buy-sell agreement establishments or disputes to ensure fairness between shareholders or partners.
Financial reporting requirements, including purchase price allocation or goodwill impairment testing under accounting standards.

Bankruptcy or reorganization proceedings, where the value of business interests must be determined.
ESOP (Employee Stock Ownership Plan) formation or annual updates needing independent, well-substantiated value conclusions.
Strategic planning or management decision-making that depend on a robust understanding of business value.
Support for loan or financing applications, where lenders require a formal opinion of value.
Charitable contributions of closely held business interests, to meet IRS appraisal requirements for donation purposes..

The depth, independence, and documentation provided in a NACVA Conclusion of Value are vital for the required reliability in regulatory and/or legal compliance situations.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Conclusion of Value

Our Conclusion of Value is a well-supported, written report that provides a clear,

professional opinion of the value of a business. Our conclusion is based on thorough

analysis and adherence to the rigorous professional standards of the National Association of Certified Valuators and Analysts (NACVA). A Boyce Wealth conclusion of value report clearly communicates the results, methods, and reasoning, enabling clients and decision- makers to rely on credible and transparent valuation findings.

Key features include:

Clear identification of the business and interest being valued
A specific valuation date and purpose
Detailed explanation of the approaches and assumptions used
Full disclosure of limitations, scope, and supporting information
Consideration of all 3 NACVA-recognized approaches to value
A conclusion of value that stands up to scrutiny and supports informed decision-
making

A NACVA-certified Conclusion of Value demonstrates independence, objectivity, and expertise—ensuring confidence for buyers, sellers, partners, and other stakeholders in every critical business transaction. This level of report is most appropriate in scenarios requiring a comprehensive, defensible business valuation supported by thorough analysis and adherence to strict standards.

Common scenarios include:

Business sales, mergers, and acquisitions where an objective opinion of value is essential for negotiations and transaction structuring.
Litigation support, such as divorce, shareholder disputes, and economic damages cases, where credible valuation testimony or reports are needed.
Estate and gift tax planning or reporting, where an authoritative value is necessary for IRS compliance and to support tax positions.
Buy-sell agreement establishments or disputes to ensure fairness between shareholders or partners.
Financial reporting requirements, including purchase price allocation or goodwill impairment testing under accounting standards.

Bankruptcy or reorganization proceedings, where the value of business interests must be determined.
ESOP (Employee Stock Ownership Plan) formation or annual updates needing independent, well-substantiated value conclusions.
Strategic planning or management decision-making that depend on a robust understanding of business value.
Support for loan or financing applications, where lenders require a formal opinion of value.
Charitable contributions of closely held business interests, to meet IRS appraisal requirements for donation purposes..

The depth, independence, and documentation provided in a NACVA Conclusion of Value are vital for the required reliability in regulatory and/or legal compliance situations.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Snapshot of Value

Our Snapshot of Value level of service is designed to give our clients a quick, efficient and

cost effective approach to assist in estimating a business’s fair market value. During a

Snapshot of Value Engagement, we select and agree with you on one specific valuation

method of the three NACVA-recognized approaches defined below to estimate your

company’s value. In most cases, the agreed-upon method is the Market Approach.

1. Guideline Company Method (Market Approach)

This method estimates your business’s value by comparing it to similar companies that have

been sold or publicly traded. We identify appropriate market multiples—such as price-to-

earnings or price-to-revenue ratios—from these comparable companies and apply them to

your business’s financial data. This approach provides an indication of value based on real-

world market activity and is particularly useful when relevant, comparable data is available.

2. Capitalized Earnings Method (Income Approach)

This method assess your business’s ability to generate future earnings and places a current value on them. We estimate the future benefit stream and then apply a capitalization rate that considers your company’s unique risks and growth prospects. By dividing the estimated maintainable earnings by this rate, we derive a value that reflects your business’s income- generating power.

3. Adjusted Net Asset Method (Asset-Based Approach)

This method determines the value of a business by adjusting the company’s assets and liabilities to their current fair market values. We calculate the value by subtracting your business’s total liabilities from the combined fair market value of its tangible and intangible assets. This method is especially relevant for asset-intensive businesses or when liquidation value is a key consideration.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Snapshot of Value

Our Snapshot of Value level of service is designed to give our clients a quick, efficient and

cost effective approach to assist in estimating a business’s fair market value. During a

Snapshot of Value Engagement, we select and agree with you on one specific valuation

method of the three NACVA-recognized approaches defined below to estimate your

company’s value. In most cases, the agreed-upon method is the Market Approach.

1. Guideline Company Method (Market Approach)

This method estimates your business’s value by comparing it to similar companies that have

been sold or publicly traded. We identify appropriate market multiples—such as price-to-

earnings or price-to-revenue ratios—from these comparable companies and apply them to

your business’s financial data. This approach provides an indication of value based on real-

world market activity and is particularly useful when relevant, comparable data is available.

2. Capitalized Earnings Method (Income Approach)

This method assess your business’s ability to generate future earnings and places a current value on them. We estimate the future benefit stream and then apply a capitalization rate that considers your company’s unique risks and growth prospects. By dividing the estimated maintainable earnings by this rate, we derive a value that reflects your business’s income- generating power.

3. Adjusted Net Asset Method (Asset-Based Approach)

This method determines the value of a business by adjusting the company’s assets and liabilities to their current fair market values. We calculate the value by subtracting your business’s total liabilities from the combined fair market value of its tangible and intangible assets. This method is especially relevant for asset-intensive businesses or when liquidation value is a key consideration.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Calculation of Value

Our Calculation of Value level of service is designed to give the client an efficient and cost

effective approach to assist in estimating a business’s fair market value. During a Calculation

of Value Engagement, we select and agree with you on two specific valuation methods of

the three defined below to estimate your company’s value.

1. Guideline Company Method (Market Approach)

This method estimates your business’s value by comparing it to similar companies that have

been sold or publicly traded. We identify appropriate market multiples—such as price-to-

earnings or price-to-revenue ratios—from these comparable companies and apply them to

your business’s financial data. This approach provides an indication of value based on real-

world market activity and is particularly useful when relevant, comparable data is available.

2. Capitalized Earnings Method (Income Approach)

This method assess your business’s ability to generate future earnings and places a current value on them. We estimate the future benefit stream and then apply a capitalization rate that considers your company’s unique risks and growth prospects. By dividing the estimated maintainable earnings by this rate, we derive a value that reflects your business’s income- generating power.

3. Adjusted Net Asset Method (Asset-Based Approach)

This method determines the value of a business by adjusting the company’s assets and liabilities to their current fair market values. We calculate the value by subtracting your business’s total liabilities from the combined fair market value of its tangible and intangible assets. This method is especially relevant for asset-intensive businesses or when liquidation value is a key consideration.

Our process ensures that the valuation approaches and methods selected are tailored to your business’s characteristics and needs, and that our calculations comply with the highest professional standards—giving you and your stakeholders confidence in the results.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Calculation of Value

Our Calculation of Value level of service is designed to give the client an efficient and cost

effective approach to assist in estimating a business’s fair market value. During a Calculation

of Value Engagement, we select and agree with you on two specific valuation methods of

the three defined below to estimate your company’s value.

1. Guideline Company Method (Market Approach)

This method estimates your business’s value by comparing it to similar companies that have

been sold or publicly traded. We identify appropriate market multiples—such as price-to-

earnings or price-to-revenue ratios—from these comparable companies and apply them to

your business’s financial data. This approach provides an indication of value based on real-

world market activity and is particularly useful when relevant, comparable data is available.

2. Capitalized Earnings Method (Income Approach)

This method assess your business’s ability to generate future earnings and places a current value on them. We estimate the future benefit stream and then apply a capitalization rate that considers your company’s unique risks and growth prospects. By dividing the estimated maintainable earnings by this rate, we derive a value that reflects your business’s income- generating power.

3. Adjusted Net Asset Method (Asset-Based Approach)

This method determines the value of a business by adjusting the company’s assets and liabilities to their current fair market values. We calculate the value by subtracting your business’s total liabilities from the combined fair market value of its tangible and intangible assets. This method is especially relevant for asset-intensive businesses or when liquidation value is a key consideration.

Our process ensures that the valuation approaches and methods selected are tailored to your business’s characteristics and needs, and that our calculations comply with the highest professional standards—giving you and your stakeholders confidence in the results.

At Boyce Wealth, we adhere to the strict standards put forth by the National Association of Certified Valuators and Analysts (NACVA) to deliver clear, well-supported business valuation reports. The CVA designation is the most widely recognized business valuation credential and the only business valuation credential accredited by the National Commission for Certifying Agencies (NCAA) and the American National Standards Institute (ANSI).

Certified SBA Loan Valuation

Prepared to Uniform Standards of Appraisal Practice (USPAP)

PURPOSE

Detailed Description of what is being valued.
In the case of a sale, a detailed description of what is, and what is not, for sale.

BACKGROUND

The entity’s legal type and ownership structure, including owners and percentages of ownership.
A brief history of the company to help value its liquidity, viability, and solvency.
Analysis of the industry and the company’s market share and competitive position.

FINANCIAL

Financial statement analysis, including balance sheets, income statements, and cash flow statements, for up to five years.
Year-to-date income and balance sheet analysis for the current year.
Tax returns considered for the past three to five years.
Analysis of any company financial forecast for the next year.

LIENS AND LEGAL

Consideration of any audits or IRS scrutiny.
Consideration of liens against the business.
Consideration of any litigation, either as plaintiff or defendant, the company has engaged in over the past five years.

ORGANIZATIONAL

Examination of key issues, including customer concentration, key person risk, employee turnover, etc.
Analysis of key company attributes, unique value drivers, and/or anchors, as well as contingent liabilities and other/hidden assets such as intellectual property
Consideration of obligations for qualified and non-qualified retirement plans.
Comparison of key metrics and ratios against the industry peer group, as well as comparable companies of size and geography.