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Why spend more time and money when you can get a business valuation for free in 15 minutes?

GrowGrade is a free digital tool offered by M&T Bank to empower business-owners with more knowledge about their business. Looking to sell your company today or one day in the future? Knowing how much your business is worth is a great place to start. The greatest place to get that business valuation is GrowGrade.

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of Business Owners Don’t Know the Value of Their Business



of Business Owners Think Often About Their Business Value

Source: MassMutual


Cost Range of a Certified Business Valuation


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What’s important to you is important to us. M&T delivers the capabilities of a big bank with the care and empathy of a locally-focused institution. GrowGrade is guided by M&T’s approach to advice, guidance, expertise, and solutions across the entire financial spectrum as we improve experiences with the growth of your business in mind.

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As of June 2022.




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Most small business owners don’t do the math on their most valuable asset

Knowing the value of your business can be an incredibly powerful tool and metric — but you can’t manage what you don’t measure. GrowGrade’s simple, highly-interactive interface demystifies business valuation and makes the whole process easier.

Alan Pawlowski,Entrepreneur and Certified M&A Advisor

We are GrowGrade.

GrowGrade is powered by M&T Bank’s New Ventures Team—a dedicated group of financial professionals, technologists, strategic designers, and entrepreneurs sharing a passion for solving real-world problems with innovative, intuitive, and customer-centric solutions. 

M&T Bank’s 165-year-old dedication to supporting small businesses is central to our own core identity at GrowGrade as it inspired our mission to democratize business intelligence for all owners.

What is GrowGrade?

GrowGrade is a free online platform developed by M&T Bank to provide business valuations and financial insights to small business owners.

Is it really free? What’s the catch?

Yes, it’s really free! We designed GrowGrade to simply be a value-add for small business owners. As far as the “catch”, our team at M&T Bank believes the only way to evolve and continue to add more value through products and services is to stay as close as possible to our target audience. GrowGrade allows us to do that.

Do I need to be an M&T Bank customer to use GrowGrade?

No, you do not need to bank with M&T to use GrowGrade. It’s made free and available to any small business owner, anywhere in the country.

Is my data safe?

All of your data is safe. The business information you enter to receive your free valuation is fully encrypted to the highest industry standards, so you can rest assured that your data is secure.

What do you do with my data?

In short, we use your data to learn! By reviewing GrowGrade data, we hope to get a better understanding of small businesses and improve the ways we serve them in the future.

All data in GrowGrade stays within M&T Bank Corporation and its affiliates. We do not sell any GrowGrade data to third parties.

What information do I need to get my valuation?

You can receive a GrowGrade valuation with just one year of financial data and a projected growth rate.

The financial data can be pulled directly from your online accounting software like QuickBooks Online, Xero, or entered manually.

How is my valuation calculated?

GrowGrade uses a patent-pending model that simplifies a conventional Discounted Cash Flow approach. First, GrowGrade leverages historical financial information to calculate an average growth rate. That growth rate is then applied to future free cash flows. To account for risk, the GrowGrade calculation takes the net present value of three years’ future free cash flows. The net present value of future free cash flows, plus cash and cash equivalents, minus long-term debt provides the GrowGrade value.

Are GrowGrade valuations certified or accredited?

GrowGrade does not provide certified or accredited valuations as they take considerable time and can cost thousands of dollars.  

Instead, we offer fast and accurate dynamic valuations that change as your information does.

Why should I get a GrowGrade valuation?

There are few tools that allow a business owner to track the value of their largest asset…. Their business. GrowGrade provides business owners with free, non-accredited valuation, without having to spend thousands of dollars. 

These valuations were tested against accredited valuations and with real business owners. Before spending a significant amount of money on an accredited valuation, you can use GrowGrade to set a baseline. From there, you unlock dynamic features to see how decisions and scenarios can impact your valuation, including: 

  • Retirement planning
  • Growth and investment planning
  • Succession planning 
  • Bringing on a new partner 
  • Selling the business 
  • Divorce 
  • Financing debt

Who can I contact if I have questions?

We’d love to hear from you! You can email our team directly with any questions, concerns, or comments at

Your valuation is free, accurate, and only a few minutes away.

Find out what your business is worth and how to increase its value for the days, years, and decades to come.

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