When Delay Becomes Danger: Why Postponing a Business Valuation Can Cost You More Than You Think
- Miranda Kishel
- 3 days ago
- 2 min read

Too many small business owners treat business valuation like a will—something you’ll get around to when it really matters. But by the time it really matters, it may already be too late. I've seen this firsthand—owners losing deals, failing to secure loans, or stumbling through transitions because they waited until the last minute to understand what their business was worth.
Here’s the uncomfortable truth: delaying a valuation doesn’t save money—it creates risk. And that risk often turns into real financial loss.
Why This Issue Is More Urgent Than Ever
We’re in a period of rapid change—interest rates, inflation, supply chains, buyer behavior, and investor priorities are all shifting. According to Forbes, over 10,000 Baby Boomers are retiring each day, and many own closely held businesses without a succession plan or updated valuation.
In this environment, your window of opportunity can close faster than you think:
Buyers disappear or offer less
Lending terms tighten
Market conditions shift
Health issues or emergencies disrupt your exit plans
Waiting means reacting instead of acting strategically.
What I’ve Learned from Watching Owners Wait Too Long
In my experience as a valuation expert, I’ve seen:
Business owners walk away from favorable sale offers because they didn’t know their value—and by the time they figured it out, the buyer moved on.
Clients underinsured or exposed in legal matters because their valuation was outdated or nonexistent.
Founders overestimate value, pricing themselves out of the market—simply because they hadn’t revisited their financials in years.
Valuation isn’t just a number—it’s a strategic lens that lets you see risks and opportunities clearly.
My POV: Valuation Is a Readiness Tool, Not Just a Transaction Requirement
The idea that you only need a valuation when selling, divorcing, or securing a loan is outdated. In today’s volatile business environment, valuation should be a core part of your financial toolkit, just like a budget or P&L statement.
Here’s where I believe we’re headed:
Annual or biannual valuation updates will become the norm for proactive entrepreneurs
More banks and investors will demand updated third-party valuations—even for smaller transactions
Digital tools will make valuations more accessible, but professional analysis will remain essential for credibility and strategy
Takeaway: Know Before You Need to Know
If you’re serious about building, protecting, or exiting your business, don’t wait for a crisis to understand its value. Instead:
Schedule a valuation now—not when you’re under pressure
Update it regularly (especially when major changes occur)
Use it as a strategic tool for planning growth, raising capital, or preparing for a future sale
The cost of waiting isn't just about missing opportunities—it’s about being unprepared when it counts.
To learn how a proactive, affordable valuation can change the way you plan, negotiate, and grow, visit our Business Valuations page.
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