For lenders and brokers
Independent buyer-side work, built to be relied on.
Lenders and brokers need different things from us. Choose your section.
For lenders
A buyer-engaged earnings assessment for your credit team’s review.
The buyer engages and pays us. You receive the report for information, and can rely on it through a reliance letter.
An earnings conclusion with supporting evidence and stated limitations.
- Scope
- Earnings bridge from books to adjusted, proposed add-backs assessed against available supporting records, proof of cash, tax return reconciliation, revenue quality and concentration, net working capital, debt and debt-like items. A full Excel databook with tied checks.
- SBA requirements
- Built to the scope SBA lenders ask for on loans that require a QoE. We confirm the applicable requirements with you at engagement.
- Permitted reliance
- A reliance letter addressed to the lender the client names, on the terms in the letter. Other readers receive the report for information only.
- Timing
- Fixed timeline in business days from complete information, stated in the quote. We flag early if a credit deadline is at risk.
- Independence
- Our fee is fixed and does not depend on whether the loan closes.
- Lender questions
- [email protected], with the client’s consent. Read an illustrative QoE
For brokers
A diligence process that keeps the deal moving.
When a buyer on one of your deals engages us, this is what you can expect.
One organized request
A single document list, sent through our client at the start, with follow-up questions batched rather than drip-fed.
Predictable timing
A stated timeline from the day information is complete, and early notice if anything puts a deal date at risk.
Issues raised early
Questions surface during diligence, when they can still be resolved, instead of after the lender’s review.
Documented earnings analysis for lender review
Earnings assessed against supporting records, with the adjustments and limitations explained for credit-team review.
Questions about an engagement on one of your deals: [email protected]