QoEReady — QoE readiness prep
Your lender’s QoE is now mandatory. Don’t walk into it unreconciled.
QoEReady runs the exact checks a QoE provider will run — cash proof, tax-vs-books, add-back evidence, DSCR — and hands you a clean, indexed data room in 5 business days for a flat fee. No $25,000 surprise. No six-week stall you could have prevented.
QoE-readiness checker
What will your lender adjust?
Enter your monthly totals — books, bank and tax — and the checker runs the same variance flags, documented-only EBITDA and DSCR test as the paid analyzer. Your numbers stay in your browser until you run it; no email is asked for before the verdict.
| Period | Revenue (books) | Expenses (books) | Bank deposits | Bank disbursements | Tax revenue | Owner comp | Add-backs documented | Add-backs undocumented |
|---|---|---|---|---|---|---|---|---|
The problem
The QoE finds what nobody reconciled first
Deals die when the lender's QoE surfaces a variance nobody looked for. The mandate, the stripped add-backs and the firm's price tag are the three facts every seller and buyer now plans around.
The Oct 1 mandate
Since Oct 1, 2026, $3M+ SBA acquisitions need a lender QoE with a Cash Proof (bank ↔ books ↔ tax returns, TTM + last 2 fiscal years).
Add-backs get stripped mid-deal
Undocumented add-backs get stripped, DSCR gets recalculated on the lower number, price and loan size move — mid-deal.
No cheap pre-check exists
QoE firms charge $16,500–$40,000+; most do not offer a cheap pre-check.
How it works
How readiness works
Audit 3 business days, Full Prep 5 business days, from complete intake — the clock pauses while waiting on your documents.
Upload / intake
Upload/intake: monthly P&L, bank totals, tax-return totals, add-back list (secure intake checklist provided).
Analyzer + analyst pass
We run the analyzer + analyst SOP: variance flags, documented-only adjusted EBITDA, DSCR at 1.25x.
Readiness Report
You get a Readiness Report + fix list; Full Prep Pack also builds the indexed lender handoff data room.
The documented-only rule
Only documented add-backs count in the ready number
- 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
The analyzer
The reconciliation, line by line
Pricing
Pricing, unchanged
Flat fees for readiness prep. Audit 3 business days, Full Prep 5 business days, from complete intake.
Readiness Audit
$499
one-time
analyzer run + flag report + 30-min fix roadmap (written). Find the landmines before the lender does.
- Analyzer run + flag report
- 30-min fix roadmap (written)
- Documented-only Adjusted EBITDA
- DSCR at the 1.25x floor
- 3 business days from complete intake
Most popular
Full Prep Pack
$1,499
one-time
Audit + full reconciliations, evidence index, explanation drafts, indexed data room, DSCR scenarios.
- Everything in Readiness Audit
- Full reconciliations
- Add-back evidence index
- Explanation drafts
- Indexed data room
- DSCR scenarios
- 5 business days from complete intake
Broker Desk
$199
/mo
for brokers/search advisors: 1 Audit credit/mo, listing-readiness screens, priority turnaround.
- 1 Audit credit/mo
- Listing-readiness screens
- Priority turnaround
- Credits across your deals
Honest scope
We are readiness prep, never the lender’s QoE.
Ready-or-Refund guarantee: If our report misses a variance our analyzer is designed to flag (>2% cash/tax, >3% expense, undocumented add-backs) that the lender QoE later surfaces from the same data you gave us, we refund that tier in full. We do NOT guarantee loan approval, QoE outcome, or price — no honest prep service can.
Readiness preparation only — not a QoE report, audit, or valuation. Lender QoE must be independent and lender-ordered per SBA SOP 50 10 8.1.
“Aren't you the QoE?”
No — and anyone selling you a seller-side “QoE” for an SBA lender is a red flag. The SOP requires independence and lender benefit. We're the prep that makes the real QoE fast and unsurprising.
“Our CPA can do this.”
Your CPA can help gather records; the readiness reconciliation + DSCR framing for SOP scope is a fixed, fast, flat product here.
“$1,499 on top of a $25k QoE?”
One stripped $50k add-back at a 3x multiple is $150k of price/loan. The prep is insurance priced at 1% of that risk.
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.