Independent QoE, written for the SOP you underwrite against.
Independent Quality of Earnings work for the credit file. Commissioned by the lender and written to stand up in an SBA 7(a) review under SOP 50 10 8.1.
Lender QoE report, contents
Illustrative- 1Scope, procedures, and independence
- 2Normalized, sustainable earnings
- 3Adjustments tested and rejected
- 4Proof of cash and tax reconciliation
- 5Working capital and cash flow
- 6Risks for the credit committee
- ASupporting databook
Why it matters
A buyer-ordered report does not meet the SOP requirement.
When a buyer orders the QoE, the work answers to the buyer. For loans that require it, the lender has to commission an independent report. That's the engagement we do.
Pricing
Quoted per file
Based on loan size, complexity, and timing.
The lender's report, not the borrower's.
Engaged by the lender
We work for the lender, not the buyer or seller. The report answers to your credit file.
Neutral on price and structure
We don't have a stake in whether the deal closes. Our job is to tell you what the earnings support.
Operator and deal perspective
Our team has run finance functions and worked on transactions, so we know where earnings stories break.
Built for underwriters and credit committees.
Clear scope, tested adjustments, and a findings section that tells you what matters and what to flag.
- Written QoE report to SBA 7(a) SOP 50 10 8.1
- Normalized, sustainable earnings, not just tax-return profit
- Adjustments tested, not accepted
- Cash flow and working capital analysis
- Proof of cash and tax reconciliation
- Risks flagged for the credit committee
- Plain-language findings with a supporting databook
- Follow-up questions answered after delivery
From engagement letter to credit memo.
- 1
Engagement
You commission the report. We confirm scope, independence, and timing around your credit timeline.
- 2
Document request
We send a focused request list and work directly with the borrower and seller to collect it.
- 3
Analysis and drafting
We test earnings, cash, and working capital and draft the report for underwriting.
- 4
Delivery and follow-up
We deliver the report and databook and stay available to your credit team for questions.
Qualified provider packet
Adding us to your provider list?
We'll send sample work, references, and our independence and engagement terms so your team can review us before the next file.
Let's talk about your next file.
Send us the deal. We'll quote the scope and share our qualified provider packet.