Curriculum Vitae Summary
Business Appraisal FL|GA|HI
For over three decades, Chris Curtin, Certified Valuation Analyst (CVA), has assisted entrepreneurs with their business exit strategy, business valuation needs, working capital, credit, and cash flow needs.
In 1998, Chris co-founded Bankers Mutual Capital Corp with two partners. Bankers Mutual helped start-ups and high-growth companies by offering Invoice Factoring and Purchase Order Funding. Chris has in-depth knowledge and experience in the valuation, fraud detection, and funding of B2B/B2G Purchase Orders and Invoices and the created Accounts Receivables. Bankers Mutual was sold in 2004.
In 2004, Chris formed Bankers Advocate Group, a boutique merger and acquisition firm, to help entrepreneurs with their final success in exiting business ownership.
Bankers Advocate has a business appraisal division, Business Appraisal FL|GA|HI, which for 20 years has provided business valuations up to $150 million for:
- Business Sale
- Business Acquisition
- Exit Planning
- Buy-Out Parents or Sell to Children
- Shareholder Disputes
- Sell Your Company to Key Employees
- Qualified and Non-Qualified Employee Incentive Planning
- Employee Stock Ownership Plans (ESOP)
- Estate Tax Compliance and Gift Planning
- Buy/Sell Agreements
- Financing or Equity Raise
- Divorce/Forced Exit/Partnership Dispute
- Accounts Receivable Portfolio Valuations
Please read our guide to choosing a business valuation company.
Even while helping Entrepreneurs through M&A, Chris realized he could help intermediaries and Entrepreneurs even more if he worked directly for a funding source again. In Dec 2012, he joined Paragon Financial as its Executive Vice President and National Sales Manager to guide their growth through Invoice Factoring, Purchase Order Financing, and Vendor Guarantees.
In 2018, Chris became president of Paragon Financial when he and his private equity partners purchased Paragon. Chris is based in Atlanta and South Florida; however, he assisted Paragon’s clients, brokers, and referral sources throughout the United States. In late 2019, Chris sold his ownership in Paragon to his partners to devote his full time to Bankers Advocate and Business Appraisal Florida.
Chris earned the Certified Valuation Analyst designation from NACVA.org in 2019 after more than a decade of doing business valuations.
Certified Valuation Analyst (CVA) Credentials
As a Certified Valuation Analyst (CVA), Chris Curtin possesses a prestigious credential that signifies expertise in business valuation. The CVA designation is awarded by the National Association of Certified Valuators and Analysts (NACVA), a renowned organization that sets the standard for business valuation professionals.
To become a CVA, Chris Curtin has demonstrated a deep understanding of business valuation principles, methodologies, and best practices. This credential is a testament to his commitment to delivering high-quality business valuation services that meet industry standards.
The CVA credential is significant in the industry because it ensures that business valuation professionals possess the necessary knowledge, skills, and experience to provide accurate and reliable valuations. CVAs are trained to analyze complex financial data, identify key value drivers, and apply various valuation methodologies to determine a business’s value.
By working with a CVA like Chris Curtin, business owners, and stakeholders can trust that they receive expert guidance and valuation services that meet their needs.
Utilizes 5-7 Valuation Methods for Accurate Results
At our business valuation firm, we employ a range of valuation methods to ensure accurate and reliable results. Our team of experienced business valuation experts utilizes 5-7 valuation methods, including:
- Income Approach: This method estimates the value of a business based on its expected future cash flows.
- Market Approach: This method compares the business to similar companies in the market to determine its value.
- Asset Approach: This method values the business based on the value of its underlying assets.
- Discounted Cash Flow (DCF) Analysis: This method estimates the present value of future cash flows using a discount rate.
- Comparable Company Analysis: This method compares the business to similar companies in the market to determine its value.
- Precedent Transaction Analysis: This method analyzes the sale prices of similar businesses to determine the value of the subject company.
- Option Pricing Model: This method estimates the value of a business based on the value of its underlying assets and the volatility of its cash flows.
By utilizing multiple valuation methods, we can provide a comprehensive and accurate valuation of a business. Our team of experts will select the most appropriate methods based on the specific needs of the client and the characteristics of the business.
Our business valuation services company:
Please read about our business valuation services.
Bankers Factoring LLC
In the summer of 2021, Chris began searching for a factoring company after his non-competition agreement expired. That search was unsuccessful, so Bankers Factoring was formed in October 2021.
Bankers Factoring differentiates itself from other small factoring companies in three unique ways:
- We are an employee-owned A/R Factoring Company
- We are primarily a non-recourse factoring company
- We have a low-cost organic client acquisition model
- We can fund true start-ups
Chris earned his B.S. in Industrial Management from the Georgia Institute of Technology in 1980 in his home state of Georgia, where he won awards as an amateur tennis player. His upbringing within the family mineral and chemical business gave Chris a deep appreciation for ethics, hard work, and earned success.
Board Memberships
He is a former board member of the Association for Corporate Growth (ACG) and a former board member of Angel Forum of Florida. Chris also served on the Board of CFC (the $40 million non-profit responsible for over 1200 foster children in Palm Beach County) and was treasurer of the Georgia Tech Club of Palm Beach. He was active in the community as a board and executive committee member of the Symphony of the Americas.
Chris was the founding President of the Turnaround Management Association’s (TMA) Florida Chapter and served on the TMA’s Executive Board of Directors; he served on the Micro Loan Committee for The Minority & Women Business Enterprise Alliance in Orlando and served on the Board of the Palm Beach County Resource Center.
Awards
The Florida Chapter of the Turnaround Management Association received the 2001 Most Improved Chapter award under Chris’ leadership.
In 2002, Chris received the Outstanding Individual Contribution Award from the International TMA for his successful “turnaround” of the Florida TMA chapter and contributions to the worldwide turnaround industry. Florida TMA was also honored with the Best Chapter Award in 2007.
Chris has guest-spoken and taught at numerous colleges and universities, including the MBA programs at Rutgers University, University of Florida, Stetson University, FAU, FIU, USF, & Rollins College.
Numerous Trade Groups, Banks, CPAs, Investment Houses, and Law Firms have sponsored Chris to speak at events throughout the US.
Papers written and sponsored talks include:
Targeting and safely purchasing a distressed company (in or out of bankruptcy).
How to use DIP (Debtor in Possession) financing to buy a distressed company.
How to start and fund a Staffing Company.
Angel Investor Boot Camp: Common Sense Steps before YOU write the check…
Taxes are an “Investment” when selling your Company.
Tax Returns Trump All in a Business Valuation.
The Sad & Expensive Truth about Merchant Cash Advance (MCA) Loan Rates.
What is a Hypothetical Appraisal, and why would you need one?
Selling to Family Members or Key Employees? Ask Question #1
Buying a Business for Your Kids? Think Twice.
Why You Need a Business Valuation.
Business and Legal Perspectives Affecting Loan Restructurings.
What is the difference between a business valuation, evaluation, and an appraisal?
Bank financing is balance sheet driven, meaning valuing, and selling a company is balance sheet driven.
Chris Curtin, Certified Valuation Analyst (CVA), can be reached at:
chris@businessappraisalflorida.com
561-758-6285 Cellular/SMS