How we work

The platform does the tracing. The CPA does the judging.

Four steps, the same for every engagement. The seller uploads directly, the Credex diligence platform performs the extraction and reconciliation, a CPA performs the analysis and signs the report, and the clock starts the day the documents are complete.

Step 1

Engage and request

The engagement letter is countersigned within one business day. The same day we send the seller and the seller's accountant a request list and a link to the Credex document portal. You are copied on every status note, so you always know what is outstanding and who is holding it up.

Step 2

Intake and reconstruction

Bank statements, card statements, ledgers, financial statements, and tax returns are loaded to the Credex diligence platform. Every transaction is extracted, classified, and matched to the books. Financial statements are rebuilt from bank data so that every reported number has a cash counterpart or an explained difference.

Step 3

Analysis by a CPA

A CPA works the exceptions: unreported deposits, personal spending in the ledger, related party flows, add backs that do not survive the evidence, customers that carry the business. Earnings are normalized, revenue is tested for sustainability, and working capital is measured month by month.

Step 4

Review and deliver

An engagement partner reviews every conclusion. You receive a draft, a review call, and then the final report and Excel databook, with every schedule tied to the underlying data so that anyone who reads the report later can trace a number to its source.

Turnaround, by engagement.

SBA lender QoE with cash proof

Ten business days from complete seller documents. Five expedited. Written flash on any material exception by day five.

Quality of earnings, investors and acquirers

About ten business days from complete data, scoped to the transaction.

Cash proof or deal review

Five to seven business days from complete documents.

Single procedures

Five business days from complete documents: revenue verification, add back testing, working capital peg.

What you do not have to do.

Chase the seller for documents. We request them directly and copy you on status.

Key anything into a spreadsheet. Bank data and ledgers go straight into the platform.

Wait for a partner to get around to it. The engagement partner is assigned at signing and reviews as the work is done, not at the end.

Guess what the fee will be. It is in the engagement letter before the work starts.

Wonder what is happening. You see the request list, what has arrived, and what is outstanding.

What we ask the seller for.

Bank and card statements

Every operating, payroll, and card account for the period under review, as statements or electronic exports.

Books

General ledger detail and financial statements for the period, exported from the accounting system.

Tax returns

Filed federal returns for the fiscal years under review.

Revenue detail

Invoices, customer lists, merchant processor reports, or the sales system export, where they exist.

Seller's schedule of adjustments

The broker or seller add back schedule, if there is one. We test it; we do not start from it.

Tell us about the deal. We will scope it the same day.

One short call, a fixed fee proposal, and a request list to the seller within one business day of engagement.

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