Provafi Pricing

A short call. We ask about the deal, the timeline, and who will read the analysis, then look at a sample of the financials you send ahead of time. If the file fits the base scope, you leave the call with a fixed fee. If it needs a scope addition, we name it and price it on the call. There is no charge for the call and no obligation.

By the work. The $7,500 base fee covers a single-entity business with one accounting system, monthly financials for two fiscal years plus the trailing twelve months, and reconciled bank data. Purchase price does not change the fee. Extra entities, inventory or WIP accounting, cash-to-accrual reconstruction, or additional accounts and years are priced as fixed additions before we start, so the fee you agree to is the fee you pay.

Yes. We work on lower middle market deals as well, and we have run diligence on larger acquisitions for corporate and private equity buyers. The fee follows the work rather than the purchase price, so a single-entity business with clean monthly financials can fit the standard scope at any size. Larger deals usually bring more entities, more readers, and more complex accounting, and those are scoped and quoted individually. Book an intro call and you will know on the call how the engagement would be structured and what it would cost.

If you are the only reader, usually no. The findings report that comes with every engagement covers the key findings, adjusted EBITDA and net working capital, and debt and debt-like items, and the databook holds the support. The Full Report earns its fee when other people will rely on the analysis: buyers reviewing a seller's numbers, or investors and partners in a buying group. An SBA lender needs the SBA-Ready engagement rather than the Full Report.

Under SBA SOP 50 10 8.1, which applies to applications received on or after October 1, 2026, the lender must obtain an independent Quality of Earnings on a 7(a) Initial Acquisition or Business Expansion loan when the business purchase price is $3M or more. The threshold is measured before buyer equity or seller financing and excludes owner-occupied real estate. The report must be prepared by an independent, experienced financial professional for the benefit of the lender, and it cannot be prepared by or for the seller. You have two ways to meet it. The lender engages the firm directly. Or you commission the report yourself, before or during financing, and the lender has one of its approved vendors review it. The SOP does not let a lender rely on a report prepared for another party without that review, so the report has to meet the full Appendix 15 specification to pass: a two-sided cash proof for the trailing twelve months and each of the last two fiscal years, reconciliation of financial statements, tax returns, and IRS transcripts, documented adjustments, and an assessment of revenue sustainability. A cash proof on its own does not qualify. Lender credit policies can be stricter than the SOP, so we confirm the lender's vendor requirements with you before kickoff.

They test different things. The Quality of Earnings includes a proof of revenue: bank deposits reconciled to the revenue the books report. Cash Proof tests both sides of the bank activity, receipts and disbursements, against the books and the filed returns, so it also establishes that expenses are complete and classified correctly. Cash Proof does not tell you what recurring earnings the business supports, whether the revenue is durable, or what working capital the buyer should expect at closing. Buy it on its own when you need the bank activity verified before deciding whether to go further, or add it to a Quality of Earnings when the expense side matters.

We look at a sample of the financials before the intro call. If the books need significant reconstruction, we tell you on the call, price the scope addition if it is bounded, and tell you plainly if it is not.

Monthly financial statements (balance sheet and income statement) for the last two fiscal years plus the trailing twelve months, ideally as a monthly trial balance. Bank statements for the same period, and business tax returns for the last two years. The SBA scope adds IRS transcripts. No clean trial balances? We work with GL exports, QuickBooks files, and compiled financials. We assess fit on the intro call.

Two to three weeks from data receipt for the base engagement. Add roughly one week when the Full Report is included. Timeline depends on data quality and how quickly management answers questions.

Yes, in three ways. A lender can engage Provafi directly as its vendor. A buyer can commission the SBA-Ready QoE and the lender's approved vendor reviews it. Or a lender can engage Provafi as its vendor to review a QoE a buyer obtained from another firm. In every case the report gives the credit team a source-traceable view of normalized earnings, cash support, and working capital, with an earnings-to-debt-service bridge. Vendor approval is set by each lender, so we confirm the lender's requirements before the engagement starts, and we walk the credit team through the report on request.