APPRAISALS, SALES AND CAPITAL FINANCING SERVICES TO INSURANCE AGENCIES AND INSURANCE BROKERAGESFinancial valuations for SBA 7(a) lending, transactions, corporate planning, expert witness, financial reporting, estate/gift tax planning, and strategic consulting. Buy-side and sell-side M&A transaction advisory services for clients seeking to sell or acquire an insurance agency or book of business throughout the United States.Capital financing services for acquisitions, recapitalizations and/or working capital. SBA and non-SBA conventional loans are available to clients seeking to acquire an agency or book of business or refinance existing debt while obtaining working capital. My clients represent a diverse mix of insurance distribution, administration, technology-related businesses, underwriting, and risk management:• Property/casualty retail brokers• Life/health/benefits retail brokers• Managing general agencies• Wholesale brokers• Premium finance companies• Insurance technology and related software firms• Pension, outsourcing and claims administrators• Insurance and reinsurance underwritersMr. Hayes has 25 years of business valuation, M&A transaction advisory and expert witness testimony experience and completes hundreds of insurance agency valuations every year.Bachelor of Science degree; majors in accounting and finance and minor in economics from Jacksonville University of Jacksonville, Florida; an AACSB accredited business school founded in 1934 Certified Valuation Analyst (CVA); certified member of the National Association of Certified Valuators and Analysts (NACVA); worldwide, the CVA certification is held by only 6,500 professionals American Society of Appraisers (ASA), memberSustaining Member of NAGGLRecognized Insurance Agency Valuation Expert designated by Business Brokerage Press, Inc. and regular contributor to the Business Reference Guide: The Essential Guide to Pricing Businesses and Franchises

All SBA loan business appraisals are certified and in full compliance with SBA 7(a) business appraisal requirements, as well as the Uniform Standards of Professional Appraisal Practice (USPAP) promulgated by the Appraisal Standards Board (ASB), and business appraisal guidelines and standards established by NACVA, the IRS (RR 59-60), AICPA (SSVS-1), and IBA. Regardless of your particular need for valuation services in terms of timing or industry, we are here to help and only a phone call or email away. I will be happy to personally answer any questions you have regarding data/documentation requirements, timeline, fees, and my professional background and expertise in your particular industry. Once we have discussed and clarified your specific need for my services, I will then be able to verbally quote you a fee. Typical turnaround time for SBA 7(a) loan business valuations is 24-48 hours after receipt of all requested information. SBA Loan Business Appraisal serves lenders throughout the United States within the below industries and all valuations are certified and in full compliance with SBA appraisal requirements for 7(a) lending purposes. Industries served: Certified and fully compliant SBA 7(a) business appraisals for medical practices, dental practices, veterinary practices, optometry practices, pharmacies, drug stores, funeral homes, accounting and CPA firms, law firms, automobile dealers, RV dealers, motorcycle dealers, boat dealers, ATV dealers, heavy equipment dealers, restaurants, drycleaners, retail, services, hotels/motels, gas stations, convenience stores, coffee/tea shops, liquor stores, bars, insurance agencies/brokerages, grocery stores, franchises, health/fitness facilities, automotive repair/tires, hair care, HVAC, plumbing, apartment locators, manufacturing, landscaping, wholesaling, distribution, construction, real estate agencies and developers, financial advisors, and florists. Please call or email with any questions. Thank you.