Provafi Pricing
Quality of Earnings analysis designed for SBA and acquisitions under $10M. CFA-reviewed, IC-ready, delivered in 5 days.
Provafi QoE (Fixed-Scope)
SBA < $10MQuality of Earnings analysis for sub-$10M acquisitions
5 business days • CFA reviewed
What's included
- Normalized EBITDA analysis with add-backs and red flags
- IC-ready PowerPoint deck formatted for SBA lenders
- Cash flow and working capital trends with key metrics
- Excel databook export and supporting schedules
- One round of Q&A plus a 30-minute walkthrough
What's NOT included
- No guarantee of lender acceptance; requirements vary by bank
- This is not a full audit or assurance engagement
- No tax, legal, or fairness opinions
- Dependent on data provided; no site visits or inventory counts
How Provafi's Fixed-Scope QoE compares to alternatives
DIY (ChatGPT)
Early screening- Cost
- $20/month
- Timeline
- Hours (unreliable)
- Analyst Review
- ❌
- Lender acceptance
- ❌ Not credible
- Best for
- Early screening
Provafi QoE (Fixed-Scope)
SBA < $10M- Cost
- $5,000
- Timeline
- 5 business days
- Analyst Review
- ✅
- Lender acceptance
- ✅ Major SBA lenders*
- Best for
- SBA deals under $10M
Full-scope QoE
$10M+ deals- Cost
- $15K–$50K
- Timeline
- 4–6 weeks
- Analyst Review
- ✅
- Lender acceptance
- ✅ Full assurance
- Best for
- $10M+ deals
*Lender requirements vary. Confirm with your bank before engaging Provafi.
Provafi QoE (Fixed-Scope)
Quality of Earnings analysis for sub-$10M acquisitions
What's included
- Normalized EBITDA analysis with add-backs and red flags
- IC-ready PowerPoint deck formatted for SBA lenders
- Cash flow and working capital trends with key metrics
- Excel databook export and supporting schedules
- One round of Q&A plus a 30-minute walkthrough
What's NOT included
- This is not a full audit or assurance engagement
- No tax, legal, or fairness opinions
- Dependent on data provided; no site visits or inventory counts
- No guarantee of lender acceptance; requirements vary by bank
Book a 15-minute call to confirm fit—no obligation.
See a sample, align on scope, and confirm lender expectations.
FAQ
Will my lender accept a fixed-scope QoE?
Most SBA lenders accept fixed-scope QoE analysis for deals under $5M, but requirements vary by institution and deal complexity. We recommend sharing our sample report format with your lender before booking to confirm it meets their requirements. During the intro call, we'll review your lender's specific needs and confirm fit.
What if the company's books aren't clean?
During our intro call, we'll review your financials to confirm fit. If the books require significant cleanup, we'll let you know upfront.
How is this different from a full QoE?
Provafi's fixed-scope QoE focuses on normalized EBITDA, trends, working capital, and red flags—sufficient for SBA underwriting. It's not a full audit or assurance engagement, which is required for deals $10M+.
What do you need from me?
Required minimum: Last 2 years of financial statements (balance sheet and income statement), ideally in trial balance format on a monthly basis. Strongly recommended: 3–5 years of historical financials (if available), monthly bank statements for the analysis period, and business tax returns (last 2–3 years). Why more is better: Additional years help identify trends, seasonality, and one-time adjustments; bank statements allow revenue verification and red-flag detection; most SBA lenders prefer 3+ years for deals over $2M. Don't have clean trial balances? We can work with GL exports, QuickBooks files, or compiled financials. We'll assess fit during the intro call.
What's the timeline?
5 business days from data receipt to final deliverable.