Most SaaS Buyers Look at Revenue. Bankers Look at Risk.

You're about to wire $80,000 for a "profitable" SaaS business.

The seller shows you Stripe screenshots. MRR is climbing. Customers love it. It's your ticket to financial freedom.

Then, three months later, you discover:

• The top customer (40% of revenue) just cancelled
• Monthly server costs were "accidentally" excluded from the P&L
• The codebase hasn't been updated in 18 months
• Churn rate is actually 12%—not the 3% advertised

You didn't buy a business. You bought a full-time job with a ticking time bomb.

---

The Brutal Truth About Buying Micro-SaaS in 2025

Every week, ambitious buyers wire six figures to sellers on Flippa, Acquire.com, and MicroAcquire.

And 6 out of 10 regret it within the first year.

Why? Because they're making the same mistake first-time homebuyers made in 2007: falling in love with the property instead of inspecting the foundation.

Here's What Sellers Hide (And What Banks Would Never Miss):

❌ "Revenue Inflation"

They count annual subscriptions as MRR. They include one-time setup fees. They don't mention the $15k enterprise client whose contract expires next month.

❌ "Profit Fiction"

The P&L shows 70% margins—but conveniently excludes the founder's 80 hours/week of unpaid labor, marketing costs buried in personal credit cards, and that $4k/month AWS bill they "forgot" about.

❌ "Churn Concealment"

"Our churn is under 5%!" (Translation: We lost 8 customers last month but signed 10 new ones, so... technically we're growing?)

❌ "Technical Debt Time Bombs"

The code runs on deprecated libraries. There's no documentation. The payment gateway integration is held together with duct tape and prayer.

Don't Buy a Dream. Don't Buy a Job. Don't Buy a Sinking Ship.

You wouldn't buy a house without an inspection.

You wouldn't invest in stocks without reading the 10-K.

So why would you wire $100,000 based on a Zoom call and a Notion doc?

---

Introducing: AuditThisDeal™

The Only SaaS Acquisition Risk Calculator Built by Someone Who Rejected $500M in Bad Loans

This isn't a spreadsheet you download and fumble through.

AuditThisDeal™ is a secure, institutional-grade web application that transforms 15 years of banking credit risk methodology into a tool specifically designed for Micro-SaaS acquisitions.

Here's what makes it different:

While other "due diligence checklists" ask surface-level questions, AuditThisDeal™ applies the same forensic accounting framework banks use to approve multi-million dollar commercial loans—but adapted for SaaS metrics like MRR, churn, and LTV/CAC.

What It Does in 10 Minutes (What Would Take You 3 Days):

You enter the deal data. The system runs it through 5 banking-grade risk filters:

✅ Revenue Quality Analysis (Is this real MRR or smoke and mirrors?)

✅ Cash Flow Sustainability Test (Can this business survive without the founder?)

✅ Customer Concentration Risk (Will you lose 40% revenue if one client leaves?)

✅ Unit Economics Validation (Are you buying growth or buying losses?)

✅ Asset & Tech Debt Audit (Is the product a maintainable asset or a liability?)

Then it gives you a 0-100 Risk Score and a clear verdict:

• 70-100 = GREEN: Approved for Acquisition
• 50-69 = YELLOW: Proceed with Caution (Negotiate Hard)
• 0-49 = RED: Walk Away

No guesswork. No "it depends." Just a data-driven recommendation backed by the same logic that keeps banks from losing billions on bad deals.

---

What You Get Inside AuditThisDeal™

🎯 The Risk Speedometer

Instantly visualize deal viability with a color-coded composite score (0-100). One glance tells you if you're looking at a goldmine or a money pit.

🚨 The Toxic Asset Detector

Automated red flags for:

• Monthly churn >8% (Death Spiral Territory)
• Operating margins <40% (Unsustainable)
• Revenue concentration >60% (Hostage to 1-2 customers)
• Code last updated >12 months ago (Technical debt bomb)

💰 The SDE Recast Engine

Reveals the true Seller's Discretionary Earnings by:

• Adding back owner's inflated salary
• Subtracting the market value of founder's sweat equity (calculated at $50/hr)
• Excluding one-time expenses that won't recur under your ownership
• Shows you what the business actually makes—not what the seller claims

📊 The Banker's Dashboard

Professional-grade analytics:

- Fair Valuation Range (Based on risk-adjusted SDE multiples: 2x-5x)

- LTV/CAC Ratio Analysis (Are acquisition costs sustainable?)

- Churn Health Status (Critical/Moderate/Healthy)

- Operating Margin Breakdown (The real profit after all costs)

⚖️ The Verdict Panel

Get a plain-English recommendation:

"✓ APPROVED FOR ACQUISITION - This deal meets banking-grade criteria. Proceed with LOI at asking price or negotiate 5-10% discount for transition risk."

Or:

"✖ REJECTED - Deal fails fundamental credit standards. Multiple red flags indicate success probability below 30%. Walk away."

No finance degree required. Just clear, actionable guidance.

🔐 Secure License-Based Access

This isn't a downloadable file anyone can pirate. AuditThisDeal™ is a gated web application protected by Gumroad license verification. Your purchase unlocks lifetime access to the tool—updates included.

---

Why Trust This Tool?

Built by Someone Who Said "No" for a Living

For 15 years, I sat on the other side of the table.

As a Senior Credit Risk Officer at a tier-1 commercial bank, my job was simple: separate good deals from disasters.

I reviewed loan applications worth $500M+. I rejected 68% of them.

Not because I was harsh—because I had a systematic framework for detecting risk that amateur investors miss:

• Character Assessment: Is this seller trustworthy or desperate?
• Cash Flow Analysis: Can this business service debt (or in your case, generate ROI)?
• Collateral Valuation: If things go south, what can you recover?
• Condition Analysis: What market forces could kill this business in 12 months?

Banks don't lose money on bad deals because they have better luck.

They don't lose money because they have a process.

Now I've Translated That Process for SaaS Acquisitions

The formulas in AuditThisDeal™ aren't guesses. They're adapted from:

• Debt Service Coverage Ratio (DSCR) → Operating Margin Analysis
• Non-Performing Loan (NPL) Indicators → Churn Velocity Tracking
• Loan-to-Value (LTV) Ratios → Revenue Concentration Risk
• Credit Scoring Models → Composite Risk Score (0-100)

This is the same logic that protects billions in banking capital—now in your hands for $97.

---

Why Smart Investors Use This Framework

CASE STUDY A: Deal for $120k SaaS blocked because AuditThisDeal™ found 65% revenue concentration.

"I was about to pay $120k for a SaaS with 'great metrics.' AuditThisDeal™ flagged that 65% of revenue came from 2 customers. I negotiated down to $75k and added a 12-month earn-out clause. Saved me $45k+ in downside risk."

— Marcus T., Former Google PM

"As someone with zero finance background, I needed this. The Verdict Panel gave me confidence to walk away from a deal that looked perfect on paper but was actually bleeding customers."

— Priya K., Indie Hacker

"This is what due diligence should look like. I've bought 3 SaaS businesses and wished I had this tool for the first two (both disasters). Finally using it on my third—feeling way more confident."

— David L., Micro-PE Investor

---

Who This Is For (And Who It's NOT For)

✅ This is for you if:

• You're about to buy a Micro-SaaS ($50k-$500k range)
• You have the capital but not the financial expertise
• You're terrified of hidden risks and seller lies
• You want a second opinion before wiring six figures
• You value capital protection over "trusting your gut"

❌ This is NOT for you if:

• You're buying a SaaS worth $5M+ (you need a full audit team)
• You already have a banking/finance background (you can build this yourself)
• You think "due diligence" is just a 30-minute Zoom call
• You're looking for investment advice (this is a risk assessment tool, not financial advice)

---

The Unfair Advantage

Think about this:

The seller has spent months preparing their listing. They've polished the metrics. They've hidden the warts. They've practiced their pitch.

They're playing offense.

You're walking into that negotiation with... what? A checklist you found on Reddit? A vague feeling in your gut?

You need to play defense.

AuditThisDeal™ is your institutional-grade armor. It's the difference between:

• Buying based on hope → Buying based on data
• Negotiating from emotion → Negotiating from evidence
• Wiring $100k and praying → Wiring $100k with confidence

The Math is Simple:

If this tool helps you:

• Avoid 1 bad deal → Saved $50k-$200k
• Negotiate 20% off asking price → Saved $15k-$40k
• Spot hidden costs before closing → Saved $5k-$20k

Investment required: $97

Potential downside protection: $50,000+

That's a 51,546% ROI.

(And unlike the SaaS you're buying, this tool has ZERO churn risk.)

---

What You Get Today

✅ Lifetime Access to AuditThisDeal™

No subscription. No recurring fees. One payment, forever access.

✅ Instant License Key Delivery

Purchase, receive your key, log in. Start auditing deals in 60 seconds.

✅ Mobile & Desktop Compatible

Works on any device. Audit deals from your phone while reviewing listings.

✅ Free Updates

As I refine the risk algorithms based on user feedback, you get the improvements automatically.

✅ Sample Deal Walkthrough

Pre-loaded example so you can see how to use the tool with realistic data.

---

The Guarantee

I'm so confident this will save you from a bad deal, here's my promise:

Use AuditThisDeal™ on your next acquisition. If it doesn't surface at least 3 red flags or negotiation points you would have missed otherwise, email me a screenshot of your analysis and I'll refund you 100%.

No questions asked. No hoops to jump through.

Why can I offer this?

Because I've seen thousands of deals. And I know that 90% of sellers are hiding something—either deliberately or through ignorance.

This tool will find it.

---

Frequently Asked Questions

Q: Is this just a fancy Excel spreadsheet?

A: No. This is a secure web application with license-based access. It cannot be copied, shared, or pirated. The calculations run server-side with banking-grade formulas.

Q: Do I need finance experience to use this?

A: Absolutely not. The interface is designed for non-experts. You input basic deal data (MRR, churn, costs) and the system handles the complex analysis. The output is plain-English recommendations.

Q: What if I'm buying a B2B SaaS vs B2C?

A: The risk framework adapts to both. B2B deals get stricter criteria for customer concentration (since losing 1 client = bigger impact). B2C deals get tighter churn thresholds.

Q: Can I use this for multiple deals?

A: Yes. Lifetime access means you can audit unlimited deals. No per-use fees.

Q: What if the seller doesn't give me all the data?

A: That's a red flag in itself. AuditThisDeal™ includes a "Data Transparency Score" field. If a seller refuses to share financials, the tool flags this as high-risk. (Banks call this "incomplete application = auto-reject.")

Q: Is this financial advice?

A: No. This is a risk assessment tool based on credit analysis frameworks. Always consult with a CPA, attorney, or financial advisor before making investment decisions.

Q: What if I'm not technical—can I still use it?

A: Yes. No coding required. Just fill in the form fields like "Monthly Revenue" and "Churn Rate." The tool does the math.

---

The Choice

Right now, you're standing at a crossroads:

Path 1: Keep doing what most buyers do—trust the seller, skim the metrics, wire the money, and hope for the best.

How's that working for the 60% who regret their purchase?

Path 2: Approach this like a banker. Run the numbers. Identify the risks. Negotiate from a position of strength.

This is how institutions protect billions. Now it's how YOU protect your capital.

---

Get AuditThisDeal™ Now — $97 (Lifetime Access)

👉 CLICK HERE TO GET INSTANT ACCESS

🔐 Secure License Delivery

✅ Lifetime Access — No Subscription

📊 Banking-Grade Risk Analysis

⚡ Start Auditing Deals in 60 Seconds

---

One Final Thought

In 15 years of banking, I learned one truth:

The best deals are the ones you DON'T do.

Every dollar you don't lose on a bad acquisition is a dollar you can invest in a good one.

AuditThisDeal™ is your institutional-grade filter. It's the difference between gambling and investing.

For $97, you're buying the peace of mind that comes from knowing—not guessing.

See you on the inside.

— Your Former Banker, Now Your Unfair Advantage

---

P.S. — Still on the fence? Think about this: The average "micro-PE consultant" charges $2,000-$5,000 for deal analysis. You're getting the same risk framework (arguably better, since it's based on banking standards, not startup theories) for 97 dollars. If you're serious about buying a SaaS, this is the cheapest insurance policy you'll ever buy.

P.P.S. — Every day you wait is another day someone else is using information asymmetry against you. Sellers know more about their business than they're telling you. Level the playing field. Get AuditThisDeal™ now.

👉 GET INSTANT ACCESS — $97

---

AuditThisDeal™ is a risk assessment tool. It is not financial, legal, or investment advice. Always consult qualified professionals before making acquisition decisions.