Don't buy a SaaS
on the seller's numbers.

GemOrLemon is a due-diligence tool for people buying a SaaS business. You upload the seller's Stripe exports; it computes verified financial metrics in code and returns a defensible verdict – gem, squeeze or lemon – plus the price the numbers actually support.

Four CSV exports from the seller's Stripe account: subscriptions, invoices, customers and (optionally) charges. The seller can export them in two minutes; no API access needed.

No. The CSVs are processed in memory and discarded – only the computed, aggregated metrics of your report are stored.

No. Every number is computed deterministically in code. A language model only phrases the findings – it is not allowed to invent or calculate numbers.

Buyers of small SaaS businesses – marketplace deals, micro-PE, indie acquisitions. Anyone who wants to know what the Stripe account says before wiring six figures.

Filtering is the classic move: Stripe's subscription list defaults to “Active”, so an export can silently hide every cancelled customer – and churn becomes invisible. We cross-check the four files against each other (for example every subscription referenced by an invoice must exist) and reject exports that do not add up. Outright forging numbers would have to stay consistent across thousands of rows in four files – and misrepresenting them to a buyer is fraud.

Every upload is validated before the analysis starts. If a file is empty, swapped or not the expected Stripe export, you get a clear error message – and your report is not consumed.

English or German – you pick per report.

The companies are fictional, the reports are not: we generated realistic Stripe datasets and ran them through the exact same engine you would use. Nothing in them is edited by hand.

Right now we read Stripe exports only. Other billing systems are on the list.

One report costs $199. In the sample lemon deal it flags an asking price overstated by $163,452. If a check like that stops you from overpaying once, it has paid for itself thousands of times over.

You are about to wire five or six figures on the strength of a listing. $199 to see whether the Stripe account backs up that listing is the cheapest line item in the whole deal.

No. A gem verdict is the confidence to move fast without second-guessing, and you still get the value range and the negotiation points. Knowing a deal is clean is worth the $199 on its own.

Yes. Every red flag ships with its dollar impact and a ready-to-send question for the seller. A single documented issue – an eroding base, high churn, one dominant customer – is concrete leverage on price, an earnout or guarantees.

The numbers are computed deterministically from the CSVs, never estimated. The value range is calibrated to real small-SaaS market benchmarks, not a growth-VC multiple. It is a defensible orientation, not financial advice.