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About Todd Topliff

Business broker helping service, trade, and professional business owners prepare for growth or exit.

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Experience Built Around Business Owners

My work centers on helping business owners manage growth, evaluate risk, and prepare for major financial decisions. I have worked from nearly every seat in a transaction, including owner, advisor, lender, and intermediary. That perspective allows me to help owners prepare thoughtfully for decisions that often define the next chapter of their lives.

I work with owners of established service, trade, and professional businesses who want clear guidance before selling, growing, or transitioning their company.

 

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20+ Years
Supporting business owners across banking, ownership, advisory, and brokerage roles.
20k+
Transactions financed or advised including acquisitions, sales, and growth-focused deals.
Thousands
of financial statements analyzed with bank-level rigor and buyer-ready standards.

Understanding How Buyers and Lenders Think

I spent over a decade as a commercial banker with formal OMEGA credit training, analyzing thousands of financial statements and financing more than 300 transactions. That experience shaped how I evaluate businesses today, what buyers and lenders actually care about, and where deals tend to break down.
 
Just as important, it gave me firsthand exposure to the pressure owners carry and the responsibility they feel toward their employees, customers, and families. That reality informs how I approach every advisory relationship.
 
This background allows me to help business owners understand how buyers, lenders, and investors evaluate a business when preparing to sell.

 

Experience from the Owner’s Seat

Before banking, I built and sold two construction companies through asset-based transactions. Those exits were not perfect, but they were instructive. They taught me how critical timing, preparation, and control are when navigating a transition.

Owners deserve time to prepare, clarity around their options, and a process that minimizes surprises. That lesson is central to how I work today.

That perspective shapes how I advise owners who are thinking about selling their business or preparing for a future exit.

Where Financial Rigor Meets Real-World Judgment

Business owners often ask how buyers actually determine value. I evaluate businesses with the discipline of a banker and the judgment of an owner. I understand buyer expectations because I have spent years on both sides of valuation, underwriting, diligence, and closing.

My role is to bring structure and clarity to complex decisions. That includes bank-ready valuations, clean financial narratives, and transaction processes that hold up under scrutiny and preserve leverage.

Focused Expertise with Built-In Support

My practice focuses on established companies in skilled trades, home services, professional services, healthcare, and marine-related businesses, typically with revenues between $1 million and $50 million.

While I work directly with clients, I am supported by dedicated transaction and operational infrastructure within the CIBB platform. This includes hands-on coordination, document control, and process management to ensure consistency, momentum, and confidentiality throughout each engagement.

 

Why Do I Do This?

Business owners deserve a plan. They deserve straight answers, clean numbers, and a process that respects the years invested in building something meaningful.

My role is to help owners make informed decisions with clarity and confidence. And when the time comes, to exit on their terms.