Kickly - Pronos Coupe du Monde ⚽
SaaSFounded
JUN 2026
The best prediction of matches for the World Cup
Asking
$19.9K
0.2x rev
Money back / yr
2.2×
~$44.1K/yr profit
Payback
5.4 mo
MRR$4.2K
30d Rev$7.1K
Active Subs126
Margin88%
high confidence
Buyer Q&A
How Much Is a SaaS with $5k MRR Worth?
A SaaS with $5,000 MRR is typically worth $150,000–$360,000, or 2.5–6x annual recurring revenue. Median transactions cluster around 3–3.5x ARR (roughly $180k–$210k) for stable, 2+ year-old businesses with 50%+ margin. Growth pushes multiples toward 5–6x; declining MRR or churn above 8% pulls them toward 1.5–2.5x.
Why the range widens at $5k MRR
At $1k MRR most buyers are indie hackers paying with personal savings. At $5k MRR, the buyer pool splits: some are still solo operators, but SBA-backed self-funded searchers and small holdcos enter the market. That competition pushes valuations up when the deal is clean — and produces wider dispersion when it isn't, because different buyer types underwrite differently.
The valuation math
$5,000 MRR × 12 months = $60,000 ARR. Apply a 2.5–6x ARR multiple:
- 2.5x → $150,000 (distressed sale, declining MRR, or high churn)
- 3.0x → $180,000 (stable, low margin or aged, small customer base)
- 3.5x → $210,000 (mainstream — stable, 50%+ margin, 2+ years old)
- 4.5x → $270,000 (growing, high margin, diversified traffic)
- 6.0x → $360,000 (premium — verified growth, sticky B2B, 70%+ margin)
SBA financing at this ticket
$5k MRR SaaS is where SBA 7(a) loans become useful. Lenders want to see $30k+ annual SDE, which a 50%-margin $5k MRR SaaS produces exactly. Bring 10–15% buyer equity (about $18k–$30k on a $180k deal) and the seller's last 2 years of tax returns showing the revenue. Add 4–6 weeks to the close timeline for lender diligence.
Diligence priorities
Three things dominate underwriting at this size: (1) 12-month MRR history from Stripe (not top-line, cohort-level — you want to see net-new vs. churn per month), (2) cost reconstruction from hosting + tooling + contractor invoices to verify seller-stated margin, and (3) a customer concentration check — no customer over 15% of MRR. All three fit in one week if the seller has their records organized.
What Startup Index publishes upfront
Every SaaS listing card shows TrustMRR-verified MRR pulled live from Stripe / Paddle / RevenueCat, seller-reported margin, computed annualized ROI, and payback months. On a $180k asking-price $5k MRR SaaS at 50% margin, the card would show roughly 17% ROI with a 72-month payback — a signal that either the price is high or the margin isn't reflective of reality. Use /valuation-calculator to model alternate margins and see how the multiple should move.
Live comparables in the $3.5k–$7k MRR band
Follow-up Questions
What's the median multiple for $5k MRR SaaS?
About 3–3.5x ARR — around $180,000–$210,000 asking price on a $60,000 ARR business. Stable margin, 2+ years old, moderate organic traffic, low churn. Extremes on either side push into fixer or premium territory.
Is $5k MRR SBA-financeable?
Yes, this is where SBA 7(a) starts working. Lenders want $30k+ annual SDE (roughly $2,500/mo net profit) and clean tax history. A $5k MRR SaaS at 50% margin produces $30k SDE — right at the threshold. Bring 10–15% buyer equity and 2 years of the seller's tax returns showing the revenue.
How does this compare to Acquire.com $5k MRR listings?
Acquire.com typically shows $5k MRR SaaS asking 3–5x ARR ($180k–$300k). The higher end assumes strong margin and growth. Startup Index shows equivalent verified deals with computed ROI and payback visible on the card, so you can compare on a cash-return basis instead of ARR multiples alone.
What operator time does $5k MRR need?
10–25 hours per week is typical for a solo owner. Support tickets, occasional bug fixes, one-off customer requests, monthly reconciliation. Anything over 30 hours usually means either the seller was doing sales-oriented outbound (which you can drop) or there's a support-heavy customer segment you'll want to reprice or offboard.
Can I run this alongside a day job?
Marginal. 10–25 hours per week is workable if the SaaS has async support and no live-chat expectation; miserable if there's B2B account management. Realistic: 6 months of nights-and-weekends operation while transferring, then quit your job when net income covers your salary and you've shipped one clean growth lever.
What multiple do SaaS trade at when growing 10% MoM?
4.5–6x ARR for verified growth over 6+ months. $5k MRR growing 10% MoM projects to $9k MRR in 6 months and $16k MRR in a year — that's a $200k–$400k listing depending on how much of the growth is baked into the ask vs. left for the buyer.
What if the SaaS has $5k MRR but 20% margin?
You're buying $1k/month of net profit, not $5k. At 3x ARR ($180k), that's a 15-year payback — too long. Reprice at 1.5–2x ARR ($90k–$120k), or find the cost bloat and reprice up. Contractor stack, hosting, and support are usually where margin leaks at this size.
How long from LOI to close at this ticket?
4–8 weeks typical. LOI + 30-day exclusivity (week 1), financial diligence and Stripe verification (weeks 2–3), technical review (week 4), APA drafting (weeks 5–6), close and transfer (weeks 7–8). Add 4 weeks if SBA financed for lender diligence.
What churn rate is acceptable at $5k MRR?
Under 5% monthly is healthy; 5–7% is common; over 8% is a red flag. Consumer SaaS runs higher (5–10% monthly is standard); B2B runs lower (1–3% monthly). If the seller can't produce a 12-month churn history from Stripe, treat that as answer: it's higher than they're saying.
Do I need a lawyer at this size?
Yes. Deals above $50k warrant a small-transaction attorney to draft or review the APA. Expect $1,500–$3,500 in legal fees. The APA covers: what's included (code, domain, Stripe account, customer list, brand), what's excluded (seller's other projects), reps and warranties (revenue accuracy), transition support terms, and non-compete clauses.