Business Valuation Services for Bankers
Support your lending decisions and client relationships with independent, professional business valuations for loan underwriting and portfolio management.
of SBA loans require business valuations
in commercial loans requiring periodic valuation
business days average turnaround
regulatory compliance rate
Understanding Loan-to-Value (LTV) and Risk Assessment
LTV Ratio Guidelines by Loan Type
Risk Factors We Analyze
- Customer Concentration
Revenue dependency and diversification analysis
- Market Position
Competitive advantage and barriers to entry
- Management Depth
Key person dependency and succession planning
- Financial Trends
Historical performance and future projections
Why Banks Trust DorisMorris
Regulatory Compliance
Meet FDIC, OCC, and Federal Reserve requirements for collateral valuations.
Risk Assessment
Comprehensive analysis to support credit decisions and portfolio monitoring.
Fast Turnaround
Meet loan closing deadlines with efficient valuation processes.
Common Banking Applications
- •SBA loan underwriting and monitoring
- •Asset-based lending collateral valuations
- •M&A financing and leveraged buyouts
- •Loan covenant compliance monitoring
- •Workout and restructuring situations
- •ESOP loan underwriting
Supporting Your Banking Operations
Credit Underwriting
Independent valuations to support loan approval decisions and appropriate loan-to-value ratios.
Portfolio Management
Regular valuation updates for covenant monitoring and early warning systems.
Special Situations
Support for workouts, restructurings, and distressed asset valuations.
Regulatory Compliance Deep Dive
Key Regulatory Requirements by Agency
FDIC Requirements
- • Part 323 appraisal regulations
- • $500K threshold for evaluations
- • Annual review requirements
- • Independence standards
OCC Guidelines
- • Bulletin 2010-42 compliance
- • Sound valuation practices
- • Model risk management
- • Documentation standards
Federal Reserve
- • SR 09-7 guidance
- • Regulation Y compliance
- • Stress testing support
- • CECL requirements
Compliance Standards
- USPAP-compliant valuation reports
- ASA Business Valuation Standards
- SBA SOP 50 10 requirements
- Interagency appraisal guidelines
Deliverables
- Detailed valuation reports
- Executive summaries for credit committees
- Sensitivity and scenario analysis
- Annual update reports
Loan Program Specific Guidance
SBA 7(a) Loan Program
When Valuation Required:
- • Business acquisition over $250K
- • Partner buyouts over $250K
- • Intangible assets exceed $500K
- • Change of ownership transactions
Our Support Includes:
- • SOP 50 10 compliant reports
- • Intangible asset allocation
- • Goodwill justification
- • 10-day standard turnaround
Asset-Based Lending (ABL)
Valuation Components:
- • Enterprise value assessment
- • Working capital analysis
- • IP and intangible assets
- • Borrowing base calculations
Monitoring Services:
- • Quarterly value updates
- • Covenant compliance testing
- • Collateral coverage analysis
- • Early warning indicators
M&A and Leveraged Finance
Transaction Valuations:
- • Purchase price allocation analysis
- • Independent valuation opinions
- • Enterprise value assessments
- • Intangible asset valuations
Risk Assessment:
- • Quality of earnings review
- • Working capital normalization
- • Customer concentration analysis
- • Management case validation
Portfolio Management Tools
Covenant Monitoring
Track and predict covenant compliance with regular valuation updates.
- • Debt/EBITDA tracking
- • Fixed charge coverage
- • Tangible net worth
- • Minimum liquidity
Early Warning System
Identify deteriorating credits before they become problems.
- • Trend analysis reports
- • Industry benchmarking
- • Risk rating support
- • Stress test scenarios
Annual Reviews
Streamlined annual valuation updates for portfolio monitoring.
- • Abbreviated reports
- • Trend analysis
- • Market updates
- • Risk reassessment
Pricing and Turnaround Times
| Service Type | Typical Fee Range | Standard Turnaround | Rush Available |
|---|---|---|---|
| SBA Loan Valuation | $3,500 - $7,500 | 7-10 business days | 3-5 days (+50%) |
| ABL Collateral Valuation | $5,000 - $15,000 | 10-15 business days | 5-7 days (+50%) |
| M&A Finance Support | $7,500 - $25,000 | 10-20 business days | 5-10 days (+75%) |
| Annual Update | $2,500 - $5,000 | 5-7 business days | 2-3 days (+35%) |
| Workout/Restructuring | $5,000 - $20,000 | 5-10 business days | 2-5 days (+100%) |
* Pricing varies based on company size, complexity, and scope of analysis required. Volume discounts available for portfolio valuations.
Specialized Banking Services
SBA Lending Support
Complete valuation services for SBA 7(a) and 504 loan programs.
- • Business acquisition loans
- • Partner buyout financing
- • Change of ownership valuations
Asset-Based Lending
Collateral valuations for ABL facilities and monitoring.
- • Enterprise value assessments
- • Intellectual property valuations
- • Equipment and inventory analysis
Frequently Asked Questions from Bankers
How quickly can you complete an SBA valuation?
Standard SBA valuations are completed within 7-10 business days. For urgent loan closings, we offer rush service with delivery in 3-5 business days for a 50% premium. We understand that delays can kill deals, so we prioritize bank deadlines.
What if the valuation comes in below the purchase price?
We provide detailed analysis explaining any gaps between purchase price and fair market value. This includes documentation of market conditions, comparable transactions, and sensitivity analysis showing value under different scenarios.
Do you handle exam and audit reviews?
Yes, our reports are designed to withstand regulatory scrutiny. We provide clarifications and additional documentation regarding our valuation methodology and analysis when requested.
Can you value intangible assets and IP?
Absolutely. We value all types of intangible assets including customer relationships, technology, patents, trademarks, and non-compete agreements. This is especially important for SBA loans where intangible assets often represent significant collateral value.
How do you handle confidentiality?
We maintain strict confidentiality through NDAs and secure data handling. Information is only shared with authorized bank personnel. We're experienced in handling sensitive transactions including competitive situations and internal bank matters.
What's included in annual monitoring?
Annual monitoring includes updated valuation analysis, trend assessment, covenant compliance testing, and risk rating support. We provide abbreviated reports at reduced fees (typically 40-50% of original valuation cost) designed specifically for portfolio management.
Case Study: Regional Bank SBA Portfolio
Challenge
Regional bank with $2B in assets needed consistent, compliant valuations for growing SBA portfolio. Previous delays were causing lost deals and customer frustration.
Solution
Implemented streamlined valuation process with dedicated bank liaison, standardized reporting templates, and guaranteed turnaround times. Established volume pricing agreement.
Results
Reduced average valuation turnaround from 15 to 7 days. Zero exam findings on valuations. 35% increase in SBA loan volume. 100% on-time delivery over 24 months.
SBA valuations completed
Average turnaround
Exam findings
On-time delivery
Why Banks Choose Our Services
Industry Expertise
Deep knowledge across manufacturing, services, technology, and distribution sectors.
Independence
Objective third-party valuations that satisfy regulatory requirements.
Bank References
Proven track record with regional and national banking institutions.
Ready to Move from Learning to Action?
Put your knowledge to work with professional business valuation services tailored to your specific needs.