LIVE Q4 2026 BENCHMARKS • 34 VERIFIED COMPS & BANDS • 28 VETTED DEAL PROVIDERS

Know What an E-Commerce Store Is Actually Worth—And Whether SBA 7(a) Will Fund It.

Built by multi-store operators at Onward Sales Corp. Benchmark real 2026 Shopify DTC, B2B/Industrial, and Amazon FBA multiples, stress-test SBA 7(a) Debt Service Coverage Ratios (DSCR ≥ 1.25x), compare broker fees, or request a zero-commission off-market buyout.

Run Valuation & SBA DSCR Model ↓

Shopify DTC Median (2026)

2.6x – 3.5x

TTM SDE (+ Landed Inventory)

B2B / Industrial Catalogs

3.4x – 4.7x

Repeat POs + Low <4% Returns

SBA 7(a) Max Multiple Wall

4.25x SDE

1.25x DSCR Floor @ 9.50% Rate

Direct Off-Market Savings

$80K – $300K

Saved vs. 8%–15% Broker Fees

1. Interactive Store Valuation & SBA 7(a) Debt Coverage Calculator

Real-time underwriting engine calibrated to Q4 2026 Quiet Light, FE International, Empire Flippers & SBA SOP 50 10 8.1 rules.

WSJ Prime: 6.75% + 2.75% Spread = 9.50% | 10-Yr Amort | 10% Equity Injection

Store Financial & Operational Inputs Live Recalculation

Primary Channel & Business Model

TTM Annual Revenue $2,500,000

TTM Seller Discretionary Earnings (SDE / EBITDA) $550,000 (22.0% Margin)

YoY Revenue Growth +16%

Customer Return Rate 3.5%

Landed Inventory at Cost ($) $280,000

Post-Close Replacement CEO Salary $100,000

How Multiples Are Computed: Base multiple scales by earnings tier, channel moat (+0.45x B2B, +0.55x Omni), YoY growth trajectory, and customer return drag (>15% return rate penalizes multiple by 0.40x).

Estimated Enterprise Valuation & SBA 7(a) Underwriting Readout Core Market Comp

Conservative / Low

2.75x SDE

$1,792,500

Includes Landed Inv.

Base Market Valuation
3.30x SDE
$2,095,000
$1.82M Goodwill + $280K Inv

Premium Strategic

3.95x SDE

$2,452,500

Clean Accrual + Moat

SBA 7(a) Acquisition Debt Model (90% LTC / 10% Down @ 9.50% Interest) Loan: $1,885,500

10% Equity Down

$209,500

Monthly SBA Debt

$24,398/mo

Net Free Cash Flow

$157,226/yr

SBA DSCR Ratio

1.54x

SELLERS: 0% BROKER COMMISSION

Get an Off-Market Cash Offer from Onward Sales Corp

Skip the 8%–12% broker fee and close in 30 days with our multi-store holding company.

BUYERS: 48-HR WRITTEN PREQUAL

Get Matched with an E-Com SBA 7(a) PLP Lender

Route this exact deal model to Ecommerce Lending (Stephen Speer) or GoSBA Loans for a free term sheet.

2. Live 2026 E-Commerce Valuation Benchmark Bands & Recent Closed Comps

Verified multiple bands (10 segments) and 16 notable closed/price-cut transactions across Shopify DTC, Shopify B2B/Wholesale, Amazon FBA, and Omnichannel.

2026 Market Segment	Channel	Revenue Tier	Low / Base / Prem Multiple	Inventory Treatment	SBA 7(a) Financeability & Source

Date	Closed Transaction / Comp Profile	Channel	TTM Rev	TTM SDE/EBITDA	YoY Growth	Sold Multiple	Deal Price & Structure	DOM / Source

3. E-Commerce M&A Broker Commission & Exclusivity Matrix (2026)

Side-by-side comparison of upfront listing fees, marginal commission tiers, exclusivity lockups, and net seller savings.

Broker / Acquirer	Model	Upfront Fee	Commission Structure	Fee on $1M Sale	Fee on $3M Sale	Fee on $5M Sale	Exclusivity & Avg DOM

4. Vetted E-Commerce Deal-Stack Directory (28 Providers)

Curated SBA 7(a) PLP lenders, M&A brokers, SBA SOP 50 10 8.1 QoE CPA firms, and post-close inventory financing partners.

Issue #1 Preview: October 2026 Deal Tear-Down & Price Cuts Published Weekly

Join store owners, SBA searchers, and e-commerce holdco operators receiving our weekly valuation & deal-flow dispatch.

ISSUE #1 PREVIEW • OCT 25, 2026 • BY ONWARD SALES CORP RESEARCH

1. The $3.0M SBA QoE Cliff Is Creating a $2.85M Sweet Spot: Since SBA SOP 50 10 8.1 mandated lender-commissioned independent QoEs on change-of-ownership loans ≥$3.0M starting Oct 1, 2026, sellers with $750K–$820K SDE are pricing at $2.88M (3.6x) to close 3 weeks faster.

2. Price Cut Alert (-22% Ask): $3.1M Women's Boutique DTC Store (Now 1.85x SDE): Sat on market 134 days due to 24% apparel return rate compressing SBA DSCR. Ideal cash-holdco turnaround for an operator who can strip wasted Meta spend.

3. Why B2B / Industrial Shopify Stores Trade at a 0.8x Premium: Commercial safety, facility maintenance, and replacement-part catalogs (COMP-02 & COMP-06) closed in 52–61 days at 3.25x–3.65x SDE with 90% SBA leverage thanks to <3% return rates and municipal PO repeat buyers.

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Verified badge, priority sort in directory, direct lead capture link

$499/mo

“Deal Flow & Price Cuts” Primary Issue Sponsor

Exclusive top-of-email sponsor callout + Calculator export co-branding

$750/issue

Qualified Borrower / Seller Intro Bounty

Pay-per-intro for pre-screened >1.25x DSCR buyers or >$1M rev sellers

$150–$500