For SBA-financed small business buyers
Find out if the seller’s cash flow survives the tax returns, before you sign the LOI.
Send the CIM, P&Ls and tax returns. In 48 hours you get a Verified SDE Report: every number traced to its page, every add-back judged, and SBA debt coverage on the earnings that hold up.
Founding price for the first 10 buyers. Full refund if it isn’t useful.
Sample deal, fiscal 2024
Fictional laundromat · figures from the demo
| Line | P&L | Tax return | Gap |
|---|---|---|---|
| Revenue | $790,000 | $700,000 | +12.9% |
| Net income | $172,000 | $82,000 | +109.8% |
| Officer pay | $75,000 | $75,000 | matches |
| Depreciation | $52,000 | $52,000 | matches |
See it work
Ninety seconds on one sample deal
Where each number came from, a correction from an amended return, the add-backs that hold up, and what that does to debt coverage.
What the report contains
The checks a lender will run, done before you commit
P&L vs tax return
Matched year by year. Gaps over 10% are flagged, and partial or fiscal years are kept apart, never averaged in.
Every number sourced
Each figure links to its document, page and line, so you can show your lender exactly where it came from.
Add-backs judged
Depreciation, owner pay, one-time costs: each one with its support, and only documented ones count toward SDE.
SBA financing check
Cash at closing, monthly payments, debt coverage and break-even SDE across two or three financing structures.
Questions for the seller
Ten to fifteen diligence questions tied to what the numbers show, ready to send before an LOI.
How it works
From documents to a decision in 48 hours
Send the documents
The CIM, up to three years of P&Ls and tax returns, and your planned down payment and loan terms.
We reconcile them
Each figure is extracted, checked against its page, and compared across the P&Ls and returns.
You get the report
A printable report with the SDE you can defend, financing scenarios, risks and seller questions.
Founding beta
Ten founding buyers, one founding price
$99per deal
Founding members get
- The $99 report price, later $149
- $49 a month locked in for life when the self-serve app opens
- A direct line to shape what gets built
- A full refund if the report isn’t useful
Built for
- First-time buyers financing with an SBA 7(a) loan
- Businesses roughly $500,000 to $3 million in price
- Searchers deciding whether a deal deserves an LOI
Not a substitute for
- A CPA’s quality-of-earnings report on a deal you are closing
- Your lender’s underwriting or approval
- Tax, legal or investment advice
Questions
Before you send anything
What happens to my documents?
They are used only to prepare your report, kept off public systems, and deleted within 30 days or sooner on request. Nothing is sent to an AI service without your written permission.
How is this different from a quality-of-earnings report?
A QoE is a CPA’s deep review, usually $15,000 or more, done once you are close to buying. This is a fast first pass at the LOI stage, so you only pay for a QoE on deals that survive it.
What if the seller only sent a CIM?
The report still checks the CIM’s numbers and financing, and lists exactly which P&Ls and returns to request. Matching against tax returns needs the returns.
Does a good report mean the SBA will approve my loan?
No. The financing check uses common screening assumptions, and your lender makes its own decision.
Are the figures on this page real?
No. The sample deal and the demo video use a fictional laundromat so you can see the report without exposing anyone’s private numbers.