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
A tiered analyser set screens the material in minutes — the universal core on every deal, plus situational checks that switch on for the documents you provide — 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.
A core screen on every deal, plus checks that switch on for your documents
A focused subset of the ClarityIntel engine. The universal core runs on every report; situational checks activate when the documents that drive them are present.
Earnings quality
Is adjusted earnings real and honest — add-backs, revenue timing and related-party distortion.
Solvency & working capital
Can it pay its way — going-concern signals, working-capital normalisation and collectable debtors.
Revenue & customer concentration
Whether revenue is durable or sits 1–3 customers deep.
Owner dependence
How much of the business walks out the door with the seller.
Tax exposure & contingencies
Tax arrears, Div 7A loans and unlodged BAS that transfer with the entity.
Employer liabilities
The two most common AU SME skeletons — unpaid super and award underpayment.
Litigation, judgement & insolvency
Undisclosed claims and contingent liabilities, plus registry insolvency and disqualification screening.
Online reputation & trading signals
Reviews, ratings and visible decline indicators from the open web.
Disclosure & data-room gaps
Which expected documents are missing, and which risk categories are present only as unquantified claims.
Situational checks — activated by the documents you provide
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.
- The full analyser set 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, the United Kingdom and 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. Bare minimum: one document — even a single set of financials gives a useful screen. Recommended: three to six covering financials, tax and bank statements plus the lease and key contracts, for a far deeper read. Maximum: 15 documents per report, up to 20 MB each and 80 MB in total.
Who is it for?+
Buyers who want an independent read before they commit, without paying thousands for a full advisory engagement — from a café, a trades firm or an e-commerce store, up to a childcare group, a multi-site franchise, a regional distributor or a manufacturer doing several million in revenue. And sellers getting ready to go to market: run the same independent read on your own business to see exactly what a buyer will find, so you can fix or get ahead of the issues before they surface in someone else's due diligence.
What happens to my documents?+
We don't store your documents anywhere. They're encrypted in transit, analysed in memory to produce your report, and then discarded — never written to disk or kept on file. All that persists is the metadata needed for the report (filenames and document type) and the finished report itself, encrypted at rest, with data-residency, retention limits and deletion controls per market. Our AI inspection provider is contractually barred from training any model on your data, and we treat everything you upload 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.