Independent financial advisory for founder-owned healthcare companies preparing to sell, and for SBA lenders who need a Quality of Earnings report they can actually rely on.
For SBA 7(a) acquisition loans, I prepare independent QoE reports commissioned directly by the lender, in line with SOP 50 10 8.1. Every report includes a full EBITDA normalization and a cash-to-P&L proof.
2–3 week turnaround · flat feeI handle the parts of a sale most founders don't want to take on alone: cleaning up the financials, normalizing EBITDA, and managing buyer diligence requests as they come in. Engagements typically run from an initial readiness assessment through closing.
Every QoE report includes a bridge from the deal's starting EBITDA to the number actually relied on for the bank's debt service test, with a stated reason for every dollar removed. Here's a real one, from a completed engagement:
| Broker/Seller Pro Forma EBITDA, as priced | $2,325,085 |
| Less: forward-growth projection (disallowed, projections can't meet the DSC test) | ($184,381) |
| Less: related-party rent addback (zero credit, no market comparison obtained) | ($92,028) |
| QoE-Adjusted EBITDA | $2,048,676 |
No dollar gets added back without support. That single discipline is what a bank is actually paying for.