Professional Business Appraisal Services
Certified Business Appraisal reports for Litigation, SBA Loans, and Partnership Buyouts. Accurate, independent, and compliant appraisals delivered by IBBI Registered Valuers.
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What is Business Appraisal?
A Business Appraisal is a formal, independent process of determining the economic value of a whole business or company unit. While often used interchangeably with valuation, an appraisal is typically more rigorous, focusing on a specific Standard of Value (such as Fair Market Value or Strategic Value) required for legal, tax, or lending purposes.
At Biz Valuations, our appraisal services go beyond simple financial modeling. We provide a detailed analysis into the company’s operational risks, local market conditions, and tangible asset backing. Our goal is to provide a "Conclusion of Value" that is defensible in a court of law or before a credit committee, bridging the gap between historical costs and current market reality.
Why You Need a Business Appraisal?
Formal appraisals are often required by external third parties who need an unbiased opinion of worth. We provide specialized appraisal reports for:
Litigation & Dispute Resolution
Providing expert witness testimony and appraisals for shareholder oppression cases, marital dissolutions, and breach of contract.
Bank Financing & SBA Loans
Delivering certified appraisals required by financial institutions to secure business loans or refinancing.
Buy-Sell Agreements
Establishing a clear price for partnership buyouts or "Right of First Refusal" (ROFR) clauses to prevent future legal actions.
Estate & Gift Tax Planning
Determining the value of closely held business interests for tax reporting to ensure compliance with the Income Tax Act.
Insurance Claims
Assessing the value of business operations for business interruption insurance or total loss claims.
Who Needs Business Appraisal Services?
Specialized Solutions for Legal and Financial Clarity
Our appraisal team serves a different group of professional stakeholders:
Key Benefits of Working with Biz Valuations
Choosing a certified appraiser ensures that your report carries the necessary legal and professional weight.
Business Appraisal Types We Offer
Different scenarios require different levels of appraisal reporting:
Our Appraisal Methodologies
We utilize a multi-disciplinary approach to ensure the appraisal is grounded in market reality:
Income-Based Appraisal
Focusing on the "Future Benefits" using Capitalization of Earnings or Discounted Cash Flow (DCF).
Market-Based Appraisal
Using the Guideline Public Company Method or Transaction Method to see what similar "Main Street" businesses are selling for.
Asset-Based Appraisal
A rigorous buildup of the value of all machinery, inventory, and equipment, minus liabilities - ideal for asset-heavy industries.
Regulatory Compliance & Standards
Our appraisal practices are governed by the highest professional standards:
- Companies Act, 2013: Compliance for all statutory requirements involving the transfer of shares or assets.
- Insolvency & Bankruptcy Code (IBC): Providing "Liquidation Value" and "Fair Value" for the Corporate Insolvency Resolution Process (CIRP).
- Income Tax Act: Appraisals for Capital Gains Tax, Gift Tax, and Rule 11UA compliance.
- USPAP & IVS: Implementing the Uniform Standards of Professional Appraisal Practice and International Valuation Standards for global acceptability.
Our 4-Step Appraisal Roadmap
1. Engagement & Purpose
We define the "Standard of Value" (e.g., Fair Market Value) and the "Premise of Value" (e.g., Going Concern).
2. Site Visit & Due Diligence
We conduct interviews and, where necessary, physical inspections to understand operational strengths and weaknesses.
3. Market Research
We analyze local economic data, industry benchmarks, and recent private-company transaction databases.
4. Final Appraisal Report
We issue a certified, multi-page report that stands up to the most rigorous cross-examination or audit.
Specialized Appraisal Services
Standard valuations often overlook the environmental and operational risks that a formal appraisal uncovers.
Machinery & Equipment Appraisal
Often integrated into a business appraisal to provide a true Net Asset Value (NAV).
Goodwill & Intangibles Appraisal
Separating the value of the "Blue Sky" (reputation) from the tangible assets of the business.
Minority Interest Discounts
Calculating DLOC (Discount for Lack of Control) and DLOM (Discount for Lack of Marketability) for minority shareholdings.
Enterprise vs. Equity Value
Clearly distinguishing between the total value of the business and the value available to shareholders.
Get a Defensible Value. Protect Your Interests.
Whether you are heading into the courtroom, the boardroom, or the bank, you need an appraisal that is beyond reproach. Don't depend on "rule of thumb" estimates when your future is on the line.
Partner with Biz Valuations for a certified Business Appraisal you can trust.
- Built on Experience
- Trusted Across 1,600+ Projects
- Confidence of Leading Businesses
Frequently Asked Questions (FAQs)
1What is the difference between a Valuation and an Appraisal?
In practice, they are similar, but an Appraisal is usually a more formal, standardized report often used for legal or lending purposes, whereas a valuation might be used for internal strategy.
2How much does a formal Business Appraisal cost?
The cost depends on the size of the business and the level of detail required. A full narrative appraisal for litigation costs more than a summary report due to the hours of research and documentation involved.
3Is an on-site visit necessary for a business appraisal?
While not always mandatory, a site visit adds significant credibility to an appraisal report, especially for manufacturing or retail businesses with significant physical assets.
4Can you provide a "Fairness Opinion" as part of the appraisal?
Yes. For mergers or buyouts, we can provide a formal letter stating that the appraised price is fair to the parties involved.
5What is 'Fair Market Value' in an appraisal?
It is the price at which a property would change hands between a willing buyer and a willing seller, both having reasonable knowledge of relevant facts and neither being under compulsion to buy or sell.
6How long is a business appraisal report valid?
Most lenders and courts consider an appraisal "current" for 6 months. If significant market changes occur, an update may be required sooner.
7Can a business appraisal be used for SBA or Bank loans?
Yes. Our appraisals meet the requirements of most major banks and financial institutions for commercial lending and refinancing.
8Do you value minority stakes in a business?
Yes. We apply specific discounts (DLOM and DLOC) to reflect the fact that minority shares are harder to sell and have no control over business decisions.
9What documents are needed for an appraisal?
Usually 3-5 years of tax returns, financial statements, a list of physical assets, and any existing legal agreements (like a Buy-Sell agreement).
10Can you value a professional practice (e.g., Law or Medical firm)?
Yes. Appraising professional practices requires a specialized focus on "Personal Goodwill" vs. "Enterprise Goodwill," which our team is trained to handle.