How to read a CIM without getting fooled

5 min read

A Confidential Information Memorandum (CIM) is the polished packet a broker sends about a business for sale. It is a sales document first and an information document second. Reading one well is a skill you can learn.

Follow the earnings

Go straight to the earnings and the add-back schedule. Recreate SDE yourself and challenge every add-back. Then check the trend: is revenue growing, flat, or quietly declining? A single strong year can hide a downward slope.

Hunt for concentration and dependence

Ask what happens if the top customer leaves, if a key employee quits, or if the owner — who may hold every relationship — walks out the door. Customer concentration, key-person risk, and owner dependence are the risks that most often turn a “great business” into a bad purchase.

A CIM tells you what to ask, not what to believe. Practice with AI-graded teardowns inside the free Academy before you evaluate a live deal.

Put this into practice

The free Academy turns these ideas into a step-by-step curriculum with working calculators and AI-graded deal practice. No credit card.

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Education only, not professional advice. Confirm any figures or decisions with qualified professionals.