Negotiating a business loan can be a nerve-racking experience. Lenders want to calculate the value of assets cautiously, to reduce their risk. Borrowers jockey for optimistic numbers, to get the money to make the deal work.

Appraisers have been left with the role of umpire to determine the real value. For years, the middleman method worked well - despite fluctuating markets and nearly a dozen different ways to value property.

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