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Business valuations for loan collateral, prepared to meet SBA 7(a) and lender underwriting requirements. AppraiseItNow provides fair market and liquidation value reports that support secured lending decisions.
…I am looking forward to utilizing AppraiseItNow for many years to come
Highly impressed with their work!
DEFENSIBLE, USPAP-COMPLIANT BUSINESS APPRAISAL REPORTS — QUALIFIED FOR LENDERS, BANKS, AND SURETY COMPANIES.
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Owner & CEO
Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.
Business Valuation Expert & Appraiser
ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.
Business Valuation Expert & Appraiser
Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.
Client Success Manager
Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.
American Society of AppraisersAccredited Senior Appraiser
The Appraisal FoundationAuthorized by Congress as the source of appraisal standardsAppraiseItNow provides independent business valuations for lenders and borrowers who need credentialed, USPAP-compliant appraisals to support loan underwriting and collateral documentation. Common regulatory triggers include SBA 7(a) loans where the financed amount for a change of ownership exceeds $250,000 (net of real estate and equipment), as well as federally regulated loans over $1 million that do not qualify for business loan exemptions. Our business valuation specialists determine fair market value, orderly liquidation value, or forced liquidation value depending on what the lender requires for its underwriting analysis.
We deliver appraisals both online and onsite across the United States, working directly with borrowers, lenders, and SBA-approved institutions. Whether you need a single report or documentation for a complex multi-asset transaction, our loan collateral appraisal services are structured to meet lender timelines and regulatory standards.
AppraiseItNow covers a broad range of business types and asset structures that lenders commonly accept as collateral.
Our appraisers hold credentials through recognized professional organizations including ISA, ASA, AAA, CAGA, AMEA, and NEBB, and carry no financial interest in the transactions they evaluate.
What clients say we are known for
Across 80+ published AppraiseItNow reviews the picture is consistent: every one is from a client who paid us for an appraisal, and the three things they raise most often are that they would hire us again, how quickly we answer, and how much research is visible in the report.
From the start they were very responsive, price competitive, and had a quick turn around time. Thank you so much to Joe who was very sweet in responding to my emails; I am looking forward to utilizing AppraiseItNow for many years to come.
Very thorough and professional — great communication and outstanding service. Highly impressed with their work!
Lenders start from a market-based standard but underwrite to liquidation-adjusted numbers. Federal Farm Credit regulations at 12 CFR 614.4250 require a written collateral evaluation stating market value and analyzing highest and best use, yet most lenders then haircut hard assets to a distressed-sale figure, commonly 50 to 70 percent of market value, before setting the loan amount.
Far less than 100 percent. Typical advance rates run about 60 to 80 percent for new equipment, 70 to 90 percent for accounts receivable, and only 20 to 50 percent for inventory, and lenders often want total collateral coverage of 100 to 125 percent of the loan. At a 60 percent loan-to-value ratio, a borrower needs collateral worth roughly 1.7 times the loan.
No. For non-real-estate collateral on routine or lower-risk loans, the NCUA Examiner's Guide accepts published value guides, public auction data, and dealer invoices, validated against multiple sources. A full appraisal by a qualified appraiser becomes appropriate as transaction size and specialization increase, and regulators require an independent appraisal to support values above net book value.
Because Revenue Ruling 59-60 fair market value assumes neither party is compelled to transact, while secured lenders plan for a default sale under time pressure. The same business assets can carry a defensible fair market value and a much lower forced-liquidation figure, so we state the standard of value explicitly so the number matches the lender's actual question.