Get an illustrative, rough-order-of-magnitude estimate of business value using four common methods: Revenue Multiple, Earnings Multiple, Asset-Based, and Discounted Cash Flow. For awareness only — not a professional valuation.
Revenue multiple · Earnings multiple · Asset-based · DCF · All figures illustrative only
These must reflect your industry and business type. The defaults below are illustrative only and may not apply to your business. Consult an M&A adviser for appropriate multiples.
| Method | Low Estimate | High Estimate | Midpoint (est.) | Key Input Used |
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It applies four simplified valuation methods to your inputs — Revenue Multiple, EBITDA Multiple, Price-to-Earnings, Asset-Based, and optionally DCF — and shows a rough range. All use generalised industry averages or multiples you enter. Results are rough-order-of-magnitude illustrations only, not a professional valuation.
Real business valuations depend on customer concentration, management depth, contract terms, IP, competitive moat, growth trajectory, market conditions, comparable transactions, deal structure, and dozens of other factors. This tool cannot assess any of these. The range shown may be far from your actual market value.
Always engage a qualified business valuer, M&A adviser, or accountant before any business sale, acquisition, fundraising, lending, partnership buy-out, shareholder dispute, or any other transaction where business value is material. This tool is not a substitute for professional valuation under any circumstance.
Business valuation is the process of determining the economic value of a business or business unit. It is used in M&A transactions, fundraising, estate planning, shareholder disputes, and many other contexts. There is no single universally correct valuation method — different methods suit different industries, business models, and transaction types. Professional valuers typically use multiple methods and apply significant judgement.
The multiple applied to revenue or earnings reflects the market's assessment of risk, growth, and strategic value. A SaaS business growing at 40% might command a 10× revenue multiple; a flat-growth traditional retailer might see 0.3×. The same EBITDA of £300,000 could be worth £1.2M in one industry or £4.5M in another, depending on growth, customer contracts, and strategic fit for a buyer. This is why generalised multiples — including those in this tool — can produce very misleading estimates.
Payment processing fees directly reduce EBITDA and net profit — the two metrics most commonly used to value businesses. A business paying £100,000/year in processing fees that could be reduced by switching processor through QuadraPay's reseller network may see a direct increase in EBITDA. At a 6× EBITDA multiple, each £10,000 reduction in annual processing costs could theoretically increase indicative valuation by £60,000. This is an illustrative connection — actual valuation impact depends on many factors and QuadraPay makes no guarantee of any specific rate or outcome.
Processing fees reduce EBITDA — the metric most commonly used to value businesses. Connecting with better-matched acquiring partners may reduce this cost and improve your EBITDA multiple-based valuation estimate.
NOT a Professional Business Valuation. The QuadraPay Business Valuation Calculator (the "Tool") is provided solely for general awareness and educational purposes. All valuation figures, valuation ranges, method outputs, and any other results produced by the Tool are rough-order-of-magnitude illustrations only, produced by highly simplified mathematical models applied to your inputs and generalised industry multiples. They are not, under any circumstances, a professional business valuation, appraisal, or assessment of fair market value.
Must Not Be Used for Transactions. The outputs of this Tool must not be used for, presented in connection with, or relied upon in any: (a) business sale or acquisition transaction; (b) fundraising from investors; (c) lending or credit application; (d) shareholder dispute or litigation; (e) estate planning; (f) regulatory filing; or (g) any other financial, commercial, or legal matter where business value is material. Use of this Tool's outputs for any such purpose — without independent professional valuation — could be materially misleading to counterparties and potentially unlawful.
Not Financial, Accounting, Legal, or Professional Advice. Nothing in this Tool constitutes financial advice, investment advice, accounting advice, legal advice, valuation advice, or any other regulated professional advice. QuadraPay is a merchant services consultancy and payment solutions reseller — not a licensed financial adviser, business valuer, M&A adviser, investment bank, accountant, solicitor, or any other regulated professional. Always engage qualified independent professionals for all matters relating to business valuation.
Multiples Are Generalised and May Be Inappropriate. Any default or user-entered valuation multiples applied by this Tool are generalised illustrative figures. Appropriate valuation multiples depend on industry, geography, growth rate, profitability, risk profile, market conditions, deal size, strategic fit, and many other factors that this Tool cannot assess. Using inappropriate multiples can produce vastly misleading valuation estimates.
FTC Compliance Notice. QuadraPay does not guarantee any specific business valuation outcome, processing rate saving, EBITDA improvement, or increase in business value from its services. References to potential valuation improvements from processing fee reductions are hypothetical illustrations only — not typical results — and actual outcomes vary significantly. QuadraPay is a reseller referring merchants to third-party processors and does not control rates those parties offer.
Card Brand and Network Compliance. QuadraPay is not affiliated with, endorsed by, or a registered agent of Visa, Mastercard, American Express, Discover, or any card network. This Tool does not apply any card network rules or regulatory framework.
Reseller Disclosure. QuadraPay is a merchant services consultancy and payment solutions reseller. Acquiring partners — not QuadraPay — provide processing services, set rates, and contract directly with merchants. All rates and terms subject to partner underwriting.
No Liability. QuadraPay and its directors, employees, agents, affiliates, and partners disclaim all liability — including for any transaction entered into, any loss suffered, or any claim made by any third party — arising from use of or reliance on any output of this Tool.
Data Privacy. No data you enter is transmitted to QuadraPay's servers or stored. All calculations run locally in your browser.