Sales & customer relationships
Weight 25%Who the customer calls when something goes wrong.
Top 10 customers know and work with people other than the owner
Sales process doesn't rely on the owner's personal network
Named sales lead who closes without the owner
Written pricing authority rules (not case-by-case by owner)
Operations
Weight 25%Can the field run for a month without the owner?
Daily huddle happens whether owner is there or not
Dispatch runs off the field software, not owner's phone
KPIs reviewed weekly without the owner driving them
Named ops lead with authority to make calls
Finance & admin
Weight 20%Who writes the check and reads the P&L.
Controller or outside firm closes the books
AR is run by someone other than the owner
Approval limits exist and are honored
Payroll runs without owner's involvement
Institutional knowledge
Weight 15%What lives only in the owner's head.
SOPs documented for all core workflows
Key supplier and partner relationships co-owned by another leader
Succession plan written for each key role
Owner takes two consecutive weeks off every year
Brand
Weight 15%Whose name is on the truck.
Brand name is the business name, not the owner's name
Online reviews mention the company, not just the owner
Marketing works without the owner's face
How to use it
Owner dependence is the single biggest driver of a discount at exit. The more a buyer thinks the business goes with you, the lower they'll pay. This scorecard shows where you still are the business.
- Score each question from "not at all" to "fully."
- Look at the per-dimension bars — those are your workstreams.
- Target 70+ before going to market.
What it returns
An owner-independence score from 0 to 100, with per-dimension breakdown. Pair with the succession planner to turn gaps into owners' names.
How this tool works
The scorecard weights five dimensions: sales and customer relationships (25%), operations (25%), finance and admin (20%), institutional knowledge (15%), and brand (15%). Each item scores 0–4; percentages feed a weighted independence score on a 100-point scale.
Weights reflect what buyer-side diligence actually probes. Sales and operations are first checks (will the business keep selling and running after you leave?); institutional knowledge and brand drive long-tail risk the buyer prices in with holdback or an earn-out. Combine with the main-site employee dependency check and buyer readiness score.
The gap between your score and 100 is a direct discount buyers will try to apply. The client roadmap turns the gap into named workstreams.
See also on mainstreetwealth.ai
Frequently asked questions
What score drives the smallest discount?
Can I move the score in 12 months?
Do I need to be fully out of the business?
Does owner dependence affect multiple more than EBITDA size?
More on mainstreetwealth.ai
The deeper, trade-specific context on our main site.
Request a free business valuation
Get a defensible valuation from an M&A advisor who works your trade.
mainstreetwealth.ai/valuationSell your home-services business
Full-process sell-side M&A for home-services operators.
mainstreetwealth.ai/sellFree M&A tools on mainstreetwealth.ai
The full set of free Main Street Wealth tools — 20 calculators and checklists.
mainstreetwealth.ai/toolsBusiness valuation calculator
Instant business valuation estimate from the main site.
mainstreetwealth.ai/tools/business-valuation-calculatorExit timeline planner
Build a 12–36 month exit timeline with the right workstreams.
mainstreetwealth.ai/tools/exit-timelineEBITDA benchmarker
Benchmark your EBITDA against the trade.
mainstreetwealth.ai/tools/ebitda-benchmarkerMore tools in exit readiness
Exit readiness score
LiveScore the business across financials, people, systems, and growth to see how sale-ready it is.
Value gap analyzer
Compare the value you need at exit with what the business would fetch today.
Succession planner
Plan management succession across the key functions before you sell.
Retirement gap calculator
Compare the net proceeds from a sale with the retirement income you'll need.
Need a defensible valuation for your business?
Share a few financials and we'll walk you through what a buyer would actually pay today, with context on how we got there.
Not legal, tax, or financial advice. For a specific recommendation, talk to a licensed advisor.
- Honest range, grounded in trade benchmarks
- Walk-through of each add-back and multiple
- Clear next steps if you decide to go to market