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AI Business Valuation for NZ Small Businesses
Indicative SDE-based estimate in minutes—not a formal appraisal. Enter your numbers or upload documents.
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Financial Data
Verify
AI Report
Core Financial Data
Enter the core financial figures — these form the foundation of your valuation.
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SDE = Net Profit + Owner Salary + Owner Perks + Non-recurring expenses
🧮 Don't know your SDE? Calculate it here
SDE (Seller's Discretionary Earnings) = net profit + your own salary + personal expenses run through the business + one-off costs + depreciation. Fill in what applies:
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↑ Enter your net profit above (and depreciation, if any), then fill in the fields here.
Cost Breakdown
Helps the AI assess your fixed costs and operational efficiency.
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Used to reconstruct SDE from net profit
Assets
Asset values are typically added on top of the business value (Price + SAV).
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Operating Profile & Risk Factors
These factors significantly affect the valuation multiplier adjustment.
Quality & risk (SDE multiple drivers)
These ratings explain multiplier adjustments; they do not replace SDE or the customer concentration field above. All optional.
How much does performance depend on the current owner?
Foot traffic, visibility, catchment — not lease length (see lease & contracts).
Consistency of earnings vs one-off spikes.
Can the model scale or be replicated without the seller?
Day-to-day reliance on rare skills (buyer replaceability).
Quality of books, accountant involvement, ability to verify.
Lease security, renewals, franchise/supply/agency agreements.
Upload your P&L — AI fills the form (Optional)
Upload a P&L or financial report (PDF, image, or CSV). The AI reads it and auto-fills revenue, profit and other fields. Files are used for this extraction only and are not stored.
Drag & drop files, or
Only SDE is required. All other fields are optional — the more data you provide, the more accurate the AI valuation.
Featured Broker
Sunny Liu
Licensed Business BrokerCommercial Sales & Leasing Consultant · Harcourts Rotorua
Specialises in business sales and commercial opportunities across Rotorua and the wider region, with a focus on hospitality, tourism and retail. A former business owner herself (motel, bubble tea shop, sushi store), she brings first-hand experience to every deal. Fluent in English and Mandarin.
This is a paid placement. OpenBiz has no agency relationship with the broker featured here.