Provafi Pricing
Quality of Earnings analysis designed for SBA and acquisitions under $10M. Focused and Full-Scope options.
Focused QoE
SBA < $10MEssential QoE analysis to close your next deal
1–2 weeks
What's included
- Review of monthly financials and trial balance detail (3 years + YTD)
- Revenue and expense trending analysis
- Red-flag identification
- Sell-side add-back review and validation
- Normalized EBITDA adjustment considerations
- Working capital (target / peg) analysis
- Tax return review (light)
- Proof of cash analysis
- Executive summary memo
- Excel databook with reported financials and analysis
- Portal access with AI chat
Full-Scope QoE
SBA < $10MComprehensive, fully-vetted QoE analysis with buy-side adjustments
2–4 weeks
Everything in Focused, plus:
- Revenue and customer concentration analysis
- Cash flow deep dive
- Calls with sell-side management team
- PowerPoint deck for lenders and investors
- Multiple rounds of Q&A
- Lender/investor-ready deliverable package
What's NOT included in either tier
- 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
FAQ
Will my lender accept a Provafi QoE?
Most SBA lenders accept our 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 help you choose between Focused and Full-Scope.
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.
What's the difference between Focused and Full-Scope?
Focused QoE covers normalized EBITDA, add-back validation, trending analysis, working capital, proof of cash, and red flags—sufficient for straightforward SBA underwriting. Full-Scope adds revenue and customer concentration analysis, cash flow deep dives, calls with sell-side management, PowerPoint deliverables for lenders, and multiple rounds of Q&A. Neither is a full audit or assurance engagement.
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?
Focused QoE: 1–2 weeks from data receipt. Full-Scope QoE: 2–4 weeks from data receipt. Timeline depends on data quality and deal complexity.