For Lenders Commissioning Independent Diligence
How We Support Lenders
We provide the independent quality of earnings analysis your institution commissions, so underwriting has a clear view of whether those earnings can support repayment.
The engagement is with the lender. Information requests and questions about the business run through your process. We are not retained by the buyer or the seller, and we do not weigh in on price or structure. Our job is to examine the financials, test the adjustments, and report what we find.
Because we have operated businesses and sat on both sides of transactions, we read the numbers the way a credit committee has to. What happens to cash and earnings once the current owner is gone, and what that means for the loan. The report and supporting analysis are built for your file, in language your team can use during underwriting and after.
What We Produce
A written quality of earnings report, commissioned by the lender, with supporting analysis. It is built to sit in an SBA 7(a) file under SOP 50 10 8.1: independent of the borrower, ordered by the lender, and focused on whether reported earnings are real and sustainable.
Normalized, sustainable earnings — not just tax-return profit
Owner add-backs, one-time items, and other adjustments, tested rather than accepted
Cash flow and working capital behavior that affects repayment
Proof of cash and tax reconciliation
Concentration and other risks a credit committee should see
Findings in plain language, with the databook behind them
A report the buyer ordered for their own diligence does not meet that SOP requirement. This engagement is different.
How We Work With You
Once you have a file that needs a quality of earnings report, we start with the deal, the timeline, and what is already in hand. We send a document request and work through your process to get what we need from the borrower and the seller.
Analysis and drafting follow. We stay available to your credit team as the report comes together, and we deliver a written report with supporting analysis for the file. If something in the numbers needs a follow-up after delivery, we are still the people to call.
If you are adding firms to a qualified-provider list, we can share sample work and references.
Talk to our teamLet's Talk It Through
If you need an independent QoE for an SBA file, we should talk.
Talk to our team