Insights

How earnings get proven.

Plain language explainers and original data on quality of earnings, the SBA lender requirement, and cash proofs, written by the Credex Advisors team.

What does SBA SOP 50 10 8.1 require for quality of earnings reports?

How many SBA 7(a) acquisition loans will need a QoE under the new $3 million rule?

What is a cash proof and how is it different from a bank reconciliation?

What does a lender QoE adjustment schedule look like?

Planned

Who is allowed to prepare the quality of earnings for an SBA loan?

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Can the QoE fee be financed in an SBA 7(a) loan?

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How long does a quality of earnings take, and why?

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What is the difference between a quality of earnings and an audit?

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How much does a quality of earnings cost?

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What is a working capital peg and how is it set?

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Seller discretionary earnings versus adjusted EBITDA

Want the SBA data before it is published?

Lenders setting up vendor approval can ask for the loan volume analysis directly.

Ask for the analysis See the SBA lender page