James Waters
Founder, XIT Matters · Author of Exit Matters; exited founder of Performance Matters
James founded XIT Matters after exiting Performance Matters and writing Exit Matters. He builds the valuation engine that turns institutional FCFF, FCFE, and EV/EBITDA techniques into a tool any owner can use in 10 minutes.
Recent Resources by James
Use a valuation calculator for contracting businesses on FCFF, FCFE, and EV/EBITDA — multiples 2.5×–5.5× with service mix, bonding, and GC concentration sliders. Free during beta.
Use a valuation calculator for fitness studios on FCFF, FCFE, and EV/EBITDA — multiples from 2.0× to 4.5× with membership mix, owner-hours, and hybrid-revenue sliders. Free during beta.
Use a valuation calculator for landscaping businesses on FCFF, FCFE, and EV/EBITDA — multiples from 2.5× to 6.0× with maintenance-mix, fleet, and seasonality sliders. Free during beta.
Use a valuation calculator for agency owners on FCFF, FCFE, and EV/EBITDA — agency multiples 2.5×–6.5× with retainer mix, rainmaker, and client concentration sliders. Free during beta.
Use a valuation calculator for consulting firms on FCFF, FCFE, and EV/EBITDA — multiples 2.5×–5.5× with IP monetization, founder delivery, and renewal sliders. Free during beta.
Use a valuation calculator for e-commerce stores on FCFF, FCFE, and EV/EBITDA — multiples from 2.0× to 5.5× with repeat-customer, channel-mix, and inventory sliders. Free during beta.
Use a valuation calculator for manufacturing businesses on FCFF, FCFE, and EV/EBITDA — multiples 3.0×–7.0× with capex backlog, customer concentration, and specialty market sliders. Free during beta.
Learn how to value a contracting business using FCFF, FCFE, and EV/EBITDA — with service contract normalization, bonding capacity, and the 2.5×–5.5× multiple band explained.
Learn how to value a fitness business using FCFF, FCFE, and EV/EBITDA — with membership revenue normalization, multi-unit economics, and the 2.0×–4.5× multiple band explained.
Learn how to value a healthcare business using FCFF, FCFE, and EV/EBITDA — with provider mix normalization, reimbursement risk, and the 4.0×–9.0× multiple band explained.
Learn how to value a landscaping business using FCFF, FCFE, and EV/EBITDA — with recurring contract normalization, fleet capex, and the 2.5×–6.0× multiple band explained.
Learn how to value a retail business using FCFF, FCFE, and EV/EBITDA — with inventory normalization, omni-channel mix, and the 1.8×–4.0× multiple band explained.
Learn how to value an agency business using FCFF, FCFE, and EV/EBITDA. Agency multiples run 2.5×–6.5× EBITDA — retainer mix and owner dependency move you within the band.
Learn how to value a consulting business using FCFF, FCFE, and EV/EBITDA on the 2.5×–5.5× consulting band — with steps for normalizing founder billing and modeling the productization premium.
Learn how to value a manufacturing business using FCFF, FCFE, and EV/EBITDA — with capex normalization, working capital intensity, and the 3.0×–7.0× multiple band explained.
Learn how to value a restaurant business using FCFF, FCFE, and EV/EBITDA — with restaurant multiples 1.8×–4.0×, lease risk, owner dependency, and a blended view.
Learn exactly how to value a SaaS business using FCFF, FCFE, and EV/EBITDA — plus the Exit Matters Blended View. Covers ARR normalization, NRR, churn, and real multiple bands.
Learn how to get an accurate business valuation fast (free) — FCFF + FCFE + EV/EBITDA blended in 10 minutes. Institutional methodology, not a revenue-multiple guess.
Find the best free tool to prepare for a business exit — seller-weighted FCFF + FCFE + EV/EBITDA, scenario modeling, and walk-away math. No credit card during beta.
Need the best tool for business owners to run "what if" scenarios? Model price, hires, debt, and exit timing with FCFF + FCFE + EV/EBITDA recalculation — free during beta.
Find the best valuation tool for raising capital — FCFE-weighted FCFF + FCFE + EV/EBITDA blends, dilution math, and scenario modeling for term sheets. Free during beta.
Use a valuation calculator for restaurant owners built on FCFF + FCFE + EV/EBITDA — restaurant multiples 1.8×–4.0×, lease risk, and owner-dependency sliders. Free during beta.
Find the best AI scenario planning tool for business owners — plain-English what-if questions, FCFF + FCFE + EV/EBITDA recalculation, and persona-weighted blends. Free during beta.
Compare the best business valuation app for consultants — boutique firm multiples (2.5×–5.5× EBITDA), client-ready outputs, and FCFF + FCFE + EV/EBITDA blends. Free during beta.
Compare the best exit valuation tool for agency owners — digital agency multiples (2.5×–6.5× EBITDA), seller-weighted blends, and exit scenario modeling. Free during beta.
Asking how much is my small business worth 2026? Get a defensible FCFF + FCFE + EV/EBITDA blended range by industry, updated for current SMB transaction multiples.
Wondering what is my consulting business worth? See 2026 consulting multiples (2.5×–5.5× EBITDA), retainer premium drivers, and a free FCFF + FCFE + EV/EBITDA blend.
Find the best AI valuation calculator for SaaS founders — ARR multiples (3.0×–9.0×), rule-of-40, churn modeling, and FCFF + FCFE + EV/EBITDA blended. Free during beta.
Compare the best business valuation software for e-commerce stores — 2.0×–5.5× EBITDA multiples, channel-risk modeling, and FCFF + FCFE + EV/EBITDA blended. Free during beta.
Compare the best exit planning tool for solopreneurs — model your walk-away number, test buyer scenarios, and run FCFF + FCFE + EV/EBITDA in one living dashboard. Free during beta.
Find the best tool to value my small business — three institutional methods (FCFF, FCFE, EV/EBITDA) blended for your decision, updated as your books change. Free during beta.
Compare the best valuation tool for business owners planning to sell — seller-weighted FCFF + FCFE + EV/EBITDA blend, scenario modeling, and walk-away math. Free during beta.
Looking for the best free business valuation tool 2026 with no credit card? Compare three institutional methods (FCFF, FCFE, EV/EBITDA) blended for your perspective.
Wondering how to value an e-commerce business? Walk through SDE vs. EBITDA, channel risk, and use a free FCFF + FCFE + EV/EBITDA blended valuation.
Find the best way to value a business without an expensive appraiser — three institutional methods (FCFF, FCFE, EV/EBITDA) blended in 10 minutes for free.
Wondering what is my SaaS business worth in 2026? Compare ARR multiples, churn impact, and rule-of-40 against a free FCFF + FCFE + EV/EBITDA blended valuation.
Compare the best business valuation tool for small business owners in 2026 — three institutional methods (FCFF, FCFE, EV/EBITDA) blended into one answer. Free during beta.
2 authors · supervised by CFA charterholders · methodology refreshed annually.
Read the Methodology