A pre-purchase
inspection for buying a business.
Point SMEInspect at a target, upload what you have, and within minutes get an independent risk report — and the SMEInspect Estimate, a risk-adjusted value range that sense-checks the asking price.
Like a building-and-pest report
An independent inspection that surfaces the problems before you commit.
Like Carfax for a used car
A cheap, instant, independent read — no salesperson on the other side.
Like a property value estimate
An automated range with a confidence indicator. Not an appraisal — a sense-check.
From target to a number in four steps
Self-serve, paid per report. The output reflects only what you give it — and we tell you what's missing.
Name the target
Tell us the business name, location and industry. We pull what's publicly available from registries and open sources for that market — free of charge.
Upload what you have
Financials, tax records, the lease, key contracts, supplier and customer lists, payroll. The more you give, the deeper the read. We also tell you what's missing and what to request.
Run the inspection
Eight analysers screen the material in minutes, ranking red flags by severity and arming you with the exact questions to put to the seller.
Get your number
The SMEInspect Estimate — a risk-adjusted indicative value range with a confidence indicator — sense-checks the asking price. Transparent about the multiple, earnings basis and adjustments behind it.
Eight analysers, tuned to what sinks small deals
A focused subset of the ClarityIntel engine, run across your supplied material in minutes.
Earnings quality & financial health
Trends, margins, normalised earnings and the plausibility of add-backs.
Revenue & customer concentration
Dependence on a handful of customers or contracts.
Owner dependence
How much of the business walks out the door with the seller.
Premises & lease risk
Term, assignability, change-of-control and renewal exposure.
Licensing & regulatory standing
Permits and authorisations required to keep trading.
Litigation, judgement & insolvency
Public-record screening for red flags against the entity and owners.
Online reputation & trading signals
Reviews, ratings and visible decline indicators.
Workforce & supplier risk
Key-person, contractor and supplier concentration.
A number you can read like a property estimate
We give you a figure — because that's what makes the report decisive. The discipline is in how it's built and framed. It applies industry-typical earnings multiples for the sector and size band to your supplied earnings, then widens or narrows the range for the risk flags we found.
- Always a range, never a single point. A low-to-high band with a low / medium / high confidence indicator.
- Transparent, not oracular. We show the multiple used, the earnings basis, and every adjustment.
- Risk-adjusted. Heavy owner dependence or customer concentration returns a lower, wider range.
The line we hold: we sense-check the asking price — we don't confirm it. The Estimate is general information and an automated estimate, not a valuation or advice, and not to be relied on as the basis of a transaction.
Computer-generated estimate. Not a professional valuation or advice.
Read a full sample report before you pay
No surprises. The complete report for an example café acquisition — every red flag, the questions to put to the seller, and the SMEInspect Estimate with its working shown.
Pay per report. No subscription to start.
A free public snapshot, a paid full report, and an add-on for active searchers. Prices shown for your market.
Snapshot
An instant public-data screen on the named business.
- Public-record red-flag screen
- Registry, insolvency & licence checks
- Online reputation signals
- No documents required
Full Report
The risk report plus the SMEInspect Estimate, on your documents.
- All 8 analysers on your supplied documents
- Red flags ranked by severity
- Questions to put to the seller
- The SMEInspect Estimate — risk-adjusted range
- Missing-information checklist
- Shareable PDF report
Compare & Monitor
For active searchers running many targets.
- Side-by-side multi-target comparison
- Re-run as new documents arrive
- Monitoring & change alerts
- Priority turnaround
Indicative prices, shown to calibrate. Every report is paid before it is delivered.
The honest questions
Is this a business valuation?+
No. The SMEInspect Estimate is an automated, computer-generated indicative range — the same idea as a property value estimate on Zillow or realestate.com.au. It sense-checks an asking price; it is not a professional valuation, appraisal or financial advice, and must not be relied on as the basis of a transaction.
How accurate can it be?+
The report reflects only what you give it. We can't verify what a seller withholds, so we frame every output as a screen and a question-generator, show our working, and flag what's missing. Garbage in, garbage out — which is exactly why we tell you the minimum to request.
Which countries do you cover?+
Australia first, the United Kingdom next, then the United States. Each market has its own data sources, benchmark multiples, licensing norms, currency and legal layer. We launch a market only once its data and disclaimers are in place.
What documents should I upload?+
Whatever you have: financial statements, tax records, bank statements, the lease, key contracts, supplier and customer lists, payroll, and online reviews. You'll get a useful screen from very little — and a far deeper read from a complete set.
Who is it for?+
First-time and early-stage buyers of Main Street businesses — a café, a trades firm, a childcare centre, an e-commerce store, a franchise — who want an independent read before they commit, without paying thousands for a full advisory engagement.
What happens to my documents?+
They're processed to produce your report under a defined lawful basis, with data-residency, retention limits and deletion controls per market. We treat uploaded material as confidential personal information.
Don't buy a business on the seller's word alone.
Run an independent inspection and walk into the deal knowing the red flags, the questions, and a number to test the price against.