Furniture delivery, junk removal & B2B contracts · 12-month live Xero data · Harvey Norman contract asset included
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📊 Owner's Wage — SDE Adjustment
Do not change your Xero accounts — enter here only
Your wage is already an expense in Xero, which reduces net profit. For a business sale, buyers use SDE (Seller's Discretionary Earnings) = Net Profit + Owner's Wage added back. Enter your annual wage below — this is a valuation overlay only and does not affect your books.
Michael Palmer annual wage $
Sale Readiness Score
Based on revenue, margins, growth & data quality
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/ 100
Score breakdown
Estimated Business Value
Revenue & EBITDA multiples · Australian SME benchmarks
Value range vs $1M target
$0$500k$1M target
Revenue
12-month trailing
Annual Revenue
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Target: $900k (for $1M valuation)
Net Profit Margin
12-month trailing
Net Margin
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Target: 18% (industry best-in-class)
SDE / EBITDA
Net profit + owner wage added back
Seller's Discretionary Earnings
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Target: $200k SDE (what buyers use to value the business)
Expense Ratio
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Target: ≤ 78% · Industry avg: 82-88%
Wages % of Revenue
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Target: ≤ 32% · Best-in-class: 28-30%
Revenue Growth (3m vs prior 3m)
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Target: +20% YoY for valuation premium
Industry Benchmarks — Furniture Delivery & Removal (Australia)