Private businesses lack a clear system for measuring value.
Most owners don't know what drives the worth of their business. Most advisors don't have a repeatable framework to show them. The result is missed opportunities, weaker exit outcomes, and preventable value erosion.
Business Owners
Owners often lack:
- Clean operating and financial data
- Visibility into what buyers, lenders, and advisors care about
- A structured way to reduce founder dependence
- A way to track whether the business is becoming more transferable
Advisors
Advisors also lack:
- A standardized readiness workflow
- A repeatable scoring framework across clients
- A way to justify recommendations with evidence
- A lightweight system for quarterly reassessment
Evidence in. Intelligence out.
Chrem turns your business documents and data into a structured, evidence-backed view of value — with scores, ranges, and a clear action plan.
Upload Evidence
Submit financials, operational data, customer records, and documentation. Chrem AI™ extracts, normalizes, and reconciles the data across sources.
Score & Analyze
Chrem produces a value driver score, an evidence confidence score, and an indicative valuation band. Every output shows its assumptions and sources.
Improve & Monitor
Get a prioritized action plan. Track changes over time with quarterly reassessments. See which improvements actually move the needle on value.
Chrem Audit
™Chrem Audit™ is the full-depth assessment for businesses ready to understand their worth. It produces an indicative valuation band, a value readiness score, and an evidence-backed action plan — the kind of structured output that advisors, lenders, and brokers actually need.
Every score is tied to uploaded evidence. Every assumption is visible. The confidence level directly affects the width of the valuation range — no high-confidence output with incomplete data.
- Indicative valuation range
- Value readiness score
- Evidence confidence score
- Missing evidence list
- Top improvement actions
- Exportable lender/broker-ready summary
Chrem Foundations
™Young businesses don't need a precise valuation — they need a compass. Chrem Foundations™ helps newer companies build durable, transferable value from the start. It reduces founder dependence early and catches value-destroying habits before they compound.
The promise isn't "know your worth." It's: build a more valuable business, stay on track, and grow in the right direction before a formal exit process ever begins.
- Value trajectory score
- Transferability score
- Operational maturity score
- Risk flags
- Next 3–5 prioritized actions
Chrem AI
™Chrem AI™ is the intelligence layer across the platform. Ask questions, run scenarios, and get plain-English explanations — all grounded in your company's actual evidence. It never invents data, never produces uncited claims, and never operates as a black box.
Think of it as an analyst that has read every document you've uploaded, can reconcile contradictions across them, and always shows its work.
- Document extraction & reconciliation
- Score explanations with citations
- Scenario analysis
- Missing evidence alerts
- Prioritized next actions
Built for advisors. Designed for owners.
Chrem works for both sides of the value equation — the professionals who guide businesses and the owners who run them.
Advisors
Each advisor brings multiple companies. Chrem gives you a repeatable, evidence-backed workflow across your entire portfolio.
- Fractional CFOs
- Exit-planning consultants
- Business brokers
- Boutique valuation firms
- M&A advisors
- Transaction-prep specialists
Business Owners
Employer SMBs — typically 10 to 100 employees — that are profitable or near-profitable, owner-led, and likely to seek financing, transfer, or sale within 12–36 months.
- B2B services
- Agencies
- Software-enabled services
- Distribution
- Field services
- Light manufacturing
The timing is right.
Succession pressure is real. Technology is finally ready. And the market is underserved.
AI now makes document extraction, normalization, and question-answering practical at scale. But Chrem's moat isn't AI — it's structured evidence, recurring assessments, and calibrated scoring that improves over time.
Six dimensions of business value.
Chrem scores each dimension independently, then produces an overall value driver score, an evidence confidence score, and an indicative valuation band.
Financial Quality
Revenue trend, normalized earnings stability, working capital health, cash conversion, and debt burden.
Revenue Quality
Customer concentration, recurring revenue, retention behavior, contract durability, and pricing power.
Owner Independence
Owner-linked revenue, owner-linked operations, management depth, delegated authority, and SOP coverage.
Operational Resilience
Supplier concentration, process maturity, quality consistency, service reliability, and capacity visibility.
Market Position
Niche strength, growth profile, customer mix, brand reputation, and competitive differentiation.
Risk & Compliance
Litigation exposure, cyber hygiene, contract assignability, lease and debt constraints, and key-person dependence.
About Chrem
Chrem is an evidence-backed value intelligence platform for small and midsize private businesses. It helps companies and their advisors answer four questions: What is this business likely worth? Why? Which factors are increasing or depressing value? And what should the company do next?
Chrem helps businesses become more valuable — not just estimate value. Every score, range, and recommendation is grounded in uploaded evidence, with visible confidence levels and cited sources.
Chrem is a product of KLETO LLC.
Frequently asked questions
Get early access to Chrem.
Chrem is currently in development. Join the waitlist to be among the first to measure, prove, and improve your business value.