Features

Features

The readiness reconciliation, end to end: cash proof, tax-vs-books, the add-back evidence index, documented-only Adjusted EBITDA and the DSCR stress test — for a flat fee, before the lender’s QoE.
Two people pointing at specific lines of a printed tax form on a wooden desk, with a calculator and notebook in the foreground

The value stack

What the prep builds

  • Cash-Proof reconciliation (bank deposits vs books revenue, per period)
  • Tax-vs-books variance map with explanation drafts
  • Add-back evidence index — documented vs undocumented split; only documented count in the ready number
  • Documented-only Adjusted EBITDA + DSCR stress test (1.25x initial / 1.15x expansion)
  • Indexed data-room checklist matched to SOP QoE scope (TTM + 2 fiscal years)
  • Honest boundary: we are readiness prep, never the lender's QoE
CASH_PROOF_VARIANCEBank deposits vs books revenue beyond ±2% — SOP cash-proof tolerance concern
TAX_VARIANCETax-return revenue vs books beyond ±2% — QoE provider will require explanation
UNDISCLOSED_EXPENSE_RISKBank disbursements vs books expenses beyond ±3%
UNDOCUMENTED_ADDBACKSAdd-backs claimed without evidence — excluded from ready EBITDA
DSCR_BELOW_SBA_FLOORDocumented DSCR under 1.25x — the historical floor for initial acquisitions
Get my Readiness Audit — $499See pricing

Don’t walk into the lender’s QoE unreconciled.

Run your own numbers through the readiness checker above, or start with the flat-fee Readiness Audit and find the landmines before the lender does.

Get my Readiness Audit — $499See pricing

FAQ

Questions, answered

Is this a Quality of Earnings report?

No. Readiness preparation only. The lender orders its own independent QoE per SOP 50 10 8.1.

Who buys?

Sellers/brokers 30–90 days pre-listing, buyers pre-LOI / post-LOI before lender QoE, and sub-$3M deals whose lenders test the same earnings without a mandated QoE.

What data do you need?

Monthly revenue/expenses (books), bank deposits/disbursements, tax-return revenue, owner comp, add-back list with evidence. Template CSV supplied.

How fast?

Audit 3 business days, Full Prep 5 business days, from complete intake (clock pauses while waiting on your documents).

Is my financial data confidential?

Yes — NDA on request, data used only for your engagement, deletion on request after delivery.

Legal?

Yes. Financial preparation/organization service; not accounting, audit, tax, legal or valuation advice; not a CPA firm.