Know your value.
Keep more of it.

Small Street connects to your books and shows what your business is worth, why, and what to do next.

A small town of brick blocks, church steeples and autumn trees, lit by the low sun

Small business creates trillions in value.

A clear view of what drives your value.

One Value Record connects your business’s value to its evidence: what it’s worth, why, and what to do next.

Earnings a buyer values

Northside HVAC

$325,000

From $54,492 of net income on the books

  • Owner’s payVerified+$135,000
  • Payroll tax on owner’s payVerified+$10,328
  • DepreciationVerified+$58,000
  • Loan interestConfirmed+$16,400
  • Owner’s benefitsConfirmed+$16,800
  • Personal and discretionaryConfirmed+$24,480
  • One-time costsProvisional+$9,500

Value Estimate

Northside HVAC

$827,250

Value Range $705,000 to $1,035,000

StreetScore 72/100

  • Growth78
  • Earnings82
  • Resilience71
  • Operations73
  • Clarity58

What should I work on next?

Street Agent

Write down the processes only you know. A buyer pays less for a business that depends on its owner, and Clarity is your lowest pillar at 68. Documenting your five core processes is the step most likely to raise your value this quarter.

  • Clarity 68
  • About 50 hours a week from you
  • 0 of 5 processes written down

Value Record

September 2026

Northside HVAC, prepared for your lender

  • Value Estimate and range$861,250
  • Earnings a buyer values$325,000
  • Adjustments and their sources7 adjustments
  • Debt and loan payments$52,000 a year
  • Tax returns2022 to 2024
  • StreetScore and pillarsHeld back
  • Customer concentrationHeld back
  • Owner dependenceHeld back

5 of 8 sections shared with your lender

Built for owners.
For the life of the business.

Most owners sell once. Small Street stays with the business for the years before that day: what it is worth, what moved it, and what to do next.

How every Value Record is built.

Connect your accounting system, then add documents and owner context. Small Street builds your Value Record in five steps, and your records stay unchanged.

  1. Connect

    Link your books, documents, and owner answers so every source checks the others.

  2. Standardize

    Everything lands in one common format, account by account.

  3. Normalize

    Owner pay and one-time costs are adjusted, so your earnings compare with any business like yours.

  4. Verify

    Every fact is checked against evidence and marked provisional, confirmed, or verified.

  5. Contextualize

    Street Agent explains what it means and the next best step, in plain language.

  • Find the earnings a buyer pays for

    Your income statement shows what happened. A buyer pays for what the business earns its owner.

    • Owner pay and one-time costs are adjusted, so your earnings compare with any business like yours.
    • Street Agent proposes each add-back with a plain reason, and you accept or decline it.
    • Each add-back is traced to the ledger entry behind it.
    • We read your accounting records, but can’t change them or move money.
    Join the waitlist

  • Watch your value move

    See your Value Estimate, the Value Range backed by your earnings, and the StreetScore behind it. As evidence arrives, the range tightens and the score follows.

    • A StreetScore across Growth, Earnings, Resilience, Operations, and Clarity.
    • Every document you add narrows the range.
    • Published rules produce every result: same inputs, same rules, same outputs.
    • Your core record is free: your StreetScore, Value Range and Value Estimate.
    Join the waitlist

  • Ask Street Agent about your business

    Ask what could strengthen your business next. Street Agent answers in plain language and shows the records behind its answer.

    • Answers in plain language, grounded in your own records.
    • The next step is ranked by its effect on value.
    • Every answer points to the facts behind it.
    • In the Small Street app, and inside the AI assistants you and your advisors already use.
    Join the waitlist

  • Share a package a lender or buyer accepts

    Send your Value Record as a package in one link. A lender sees a financial summary, an advisor the full assessment, and a buyer a detailed value estimate.

    • One link, built for who is reading it: a lender, an advisor, or a buyer.
    • You choose what each package shows.
    • Links expire, and you can revoke one at any time.
    • Small Street is independent and never takes a cut of the deal.
    Join the waitlist

  • Every number traces to its source

    Every figure in your Value Record links to the records behind it. A fact earns full credit once evidence verifies it.

    • Your books, documents, and owner answers check one another.
    • Every fact is marked provisional, confirmed, or verified.
    • You confirm the facts, and evidence verifies them.
    • Your records stay unchanged.
    Join the waitlist

  • See how you compare to businesses like yours

    Your figures against industry reference ranges, pillar by pillar.

    Each of your figures sits against the reference range for businesses like yours, pillar by pillar. Value plays then rank your next steps by their effect on value.

    • Your figures sit against industry reference ranges, with the middle marked.
    • Measures are grouped by the five pillars: Growth, Earnings, Resilience, Operations, and Clarity.
    • Every figure traces to your books.
    • Value plays rank your next steps by their effect on value.
    Join the waitlist

Main Street runs the U.S. economy.

Virtually all of the businesses, nearly half the economy, and almost none of the financial intelligence.

A barista at work behind a café counter
A florist arranging flowers in a flower shop
A tradesperson cutting into a wooden wall frame
A woodworker shaping a board in a workshop
A chef preparing meat in a working restaurant kitchen
99.9%
of U.S. businesses are small businesses
45.9%
of private-sector jobs are at small businesses
43.5%
of U.S. GDP comes from small business
75%
of owners who sell regret it within a year

Buyers bring analysts. Owners deserve the same.

We’ve set out to give Main Street the analytical tools Wall Street relies on. Here’s why.

  • The years when value is made

    Owners have tools for the books and the sale, and almost nothing in between.

  • More businesses are changing hands than ever

    Millions of owners are heading to a sale, and professional buyers have followed.

  • How a fact earns your trust

    You confirm each fact and evidence verifies it before it earns full credit.

Built by operators who lived the problem.

20 years in financial services. Global equity analyst and product specialist. Helped his family value and sell their small business.

Andy Ridall

Co-founder & CEO

15 years across fintech, retail banking, and healthcare. Built systems in SOC 2, HIPAA, and PCI environments. Small business owner.

Kaid Mossburgh

Co-founder & CTO

A decade in operations, marketing, and customer experience. Owned, operated, and sold a family business, then joined the acquiring firm.

Isabella Dana

Co-founder, Operations

Owns and operates three businesses in Rhode Island. Small Street’s founding user, and the first owner to prove it on his own books.

Doug Smyth

Founding Owner & Sales

FAQ

Can Small Street change anything in my books?

No. We read your accounting records, but can’t change them or move money.

Does an AI decide what my business is worth?

No. Published rules produce every result: same inputs, same rules, same outputs. Street Agent, our AI, proposes facts, explains each result, and shows the records behind it. You confirm the facts, and evidence verifies them.

Is this an appraisal?

A serious starting point. Your score and valuation are not a sale price, not a certified appraisal, and not legal, tax, or investment advice.

Who sees my numbers?

You do, and whoever you choose. Small Street is independent and never takes a cut of the deal. Each copy of your Value Record is built for one conversation, and you share only what supports it.

What does it cost?

Your core record is free: your StreetScore, Value Range and Value Estimate, answers and next steps, and one-click sharing. A subscription adds your value over time, diligence tools, and lender and buyer packets.

Where can I use it?

In the Small Street app, and inside the AI assistants you and your advisors already use.

How do I get access?

Join the waitlist. We’ll confirm your signup by email and let you know when your access is ready.

Your business lives on Small Street.

Join the waitlist. We’ll email you when your access is ready.

A small-town Main Street at dusk, flags on its lamp posts and lights on in its brick shopfronts