How to Assess Tariff Risk in SBA Deals

April 11, 2025 - With growing uncertainty around U.S. trade policy, tariff exposure is becoming a real threat to small businesses, and SBA lenders are taking notice. That’s why we’re rolling out the Tariff Risk Module, now live in every Concluded business valuation report.

“In a world where tariffs can shift overnight, SBA lenders need clarity, not surprises. That’s why we built the Tariff Risk Module: to surface hidden exposure before the deal closes.”
- Cameron Long, Chief Operating Officer, Concluded

Why Now?

From the proposed 10% blanket tariff to the newly announced 145% tariff on China, the trade landscape is shifting fast, and many small businesses are more exposed than they realize.

In industries that rely on international supply chains, even a modest tariff can squeeze margins and destabilize operations. Until now, these risks have often been invisible during underwriting.

What the Tariff Risk Module Delivers

• Pinpoints key inputs and materials based on NAICS code and industry

• Evaluates supply chain vulnerability to foreign sourcing

• Assesses exposure to tariffs from China, Canada, and Mexico

• Offers in-depth, lender-ready commentary on tariff risks

Powered by macroeconomic data and updated to reflect evolving trade conditions, this tool equips SBA lenders with the visibility they need.

For SBA Lenders, This Means:

✅ Clearer insight into operational risk
✅ Early detection of margin pressure
✅ More confident lending decisions in a volatile global environment

Tariffs may be unpredictable, but your valuations shouldn’t be.

If your bank is looking to surface hidden risks before funding an SBA acquisition, let’s talk. The Tariff Risk Module is already included in all Concluded reports, at no additional cost.

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Reminder: All valuation reports are delivered within 3–5 business days for a flat fee of $1,800.