Terms & Conditions

Legal disclaimer – The recipient of Havilah LLC services.

The client, customer, or user of Blue Ocean Acquisition Lending Advisor services acknowledges that there is no recourse available to any party if they believe that Havilah LLC. has led them to decisions that are either considered or actually led to financial reversals or a loss of anticipated gains. The owners of Havilah LLC., its employees, and subcontractors provide no guarantee or warranty that the projected transaction will be provided by any specific lender. Blue Ocean Acquisition Lending Advisors currently uses SBA 50 10 5 (k) underwriting guidelines which are relevant until the SBA updates this document of which these guidelines used will no longer apply. Havilah LLC. has done extensive research in the area of debt service coverage ratios. The current SBA Standard Operating Procedures will permit a 1:15 to 1 ratio; however, our research and experience cause us to use a 1:25 to 1 ratio which is generally accepted within the lending industry when buying a business. As this number fluctuates the maximum allowable loan amounts from lenders will increase and decrease accordingly. Havilah llc. has made a good faith effort to capture as many variables as possible that would be the key contributors to enterprise value; however, the recipients of Havilah llc. Blue Ocean Acquisition Lending Advisors valuations recognize that a business's value in some cases could vary considerably from the information generated by Havilah's software platform. We believe recipients of our valuations should have an ongoing dialog with their accountants, any financial advisers, legal counsel, lenders, and investors involved with the company being assessed by Havilah LLC.

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