Lender ready Quality of Earnings for SBA acquisition loans

Built by accountants and those who have underwritten credit:

• Independent of the buyer, seller, and broker
• Tax return to financial statement reconciliation
• Proof of cash tying bank statements to financials
• Add-backs tested against source documents
• Clear findings that drop into the credit memo
• Senior-led work and responsive turnaround

A compliant report that contains everything the lender and SBA require:

• An independent Quality of Earnings report that meets SOP 50 10 8.1
• Normalized EBITDA with every add-back tied to support
• Net working capital and debt and debt-like items analysis
• Business valuations to support the purchase price and loan request
• A detailed Excel databook and a summary report for the credit memo
• A walkthrough with the lender, borrower, and broker

The lender, borrower, or broker contacts us with the deal basics.

We confirm scope and timeline in writing, usually within one business day.

A focused data request to the seller, with status updates to all parties.

Databook and summary report, with a walkthrough for the credit team.