Sep 27, 2026 | Quality of Earnings, SBA quality of earnings
There is no universal SBA fee for a Quality of Earnings report. SBA Quality of Earnings cost is a professional-services fee based on the provider and the scope of the engagement. The number of entities, bank and merchant accounts, reporting systems, periods,...
Sep 20, 2026 | Quality of Earnings, SBA quality of earnings
SBA Quality of Earnings debt service coverage requires the lender to calculate repayment capacity using recurring earnings supported by the QoE—not the seller’s untested adjusted earnings. This gives the Quality of Earnings report a direct role in underwriting....
Sep 6, 2026 | Add-Backs, SBA quality of earnings
SBA add-back verification determines whether proposed adjustments to earnings are supported and appropriate for calculating sustainable cash flow. A seller may provide a long list of add-backs to increase adjusted EBITDA. But an SBA Quality of Earnings analysis does...
Aug 25, 2026 | Quality of Earnings, SBA quality of earnings
The SBA Quality of Earnings documents should support the revenue, expenses, add-backs, cash collections, balance-sheet accounts, and overall sustainability of a business’s earnings. A complete document package allows the analyst to verify the company’s financial...
Aug 23, 2026 | Quality of Earnings, SBA quality of earnings
An SBA business valuation estimates what a business is worth, while a Quality of Earnings report determines whether the earnings supporting the transaction are accurate, supported, and recurring. The SBA business valuation vs Quality of Earnings comparison starts with...
Aug 22, 2026 | Quality of Earnings, SBA quality of earnings
An SBA cash proof tests whether the cash deposited into a business’s bank accounts supports the revenue reported in its financial statements and tax records. Before completing a cash proof, the analyst must also understand whether the business uses cash-basis or...
