For Quality of Earnings providers and SBA lending teams

Every SBA 7(a) deal of $3M or more now needs a QoE. Start each one with the numbers already reconciled.

From October 1, 2026, SBA SOP 50 10 8.1 requires an independent Quality of Earnings analysis on 7(a) change-of-ownership and expansion deals with a purchase price of $3 million or more. Deal OS gives your team the first pass on the documents, so your analysts start from the differences instead of from page one.

Source for the rule: AAFCPAs, 14 September 2026. Read the SOP itself before relying on it.

What the first pass gives your team

Every key figure (revenue, EBITDA, gross margin, net income) listed wherever it appears: the CIM, the income statement, the tax return, the add-back schedule. Where the same number is stated differently, it is flagged.
Every seller add-back, normalization and run-rate adjustment itemized, with its amount, the verbatim quote and the page it came from, and a first judgment: likely, questionable or unlikely to survive a buyer's review.
The seller's presented adjusted EBITDA, exactly as stated, next to the figures it rests on.
Anything that cannot be quoted from the documents is left out. Nothing is estimated to fill a gap.

See it on a sample deal, no login: the Financial tie-out section of the sample brief. It is real Deal OS output on a synthetic deal.

Buying a business with an SBA 7(a) loan yourself? Quality of earnings software for search funds and SBA buyers explains the tie-out, the add-back audit and the SBA coverage check from the buyer's side.

Client documents stay confidential

Each engagement runs in its own isolated workspace. Documents are encrypted at rest, never shared, and never used to train anything, and you can wipe them at any time. You can sign a mutual NDA with us inside the workspace before uploading anything; our side is pre-signed.

Pay per deal. No subscription.

$99 one deal

One engagement, 14 days.

$400 5 deals

$80 per deal. Credits never expire.

$900 15 deals

$60 per deal. Credits never expire.

Prices in USD. Any sales tax is calculated at checkout by Stripe.

Questions

Is this a Quality of Earnings report?

No. It is a first pass on the documents for your analysts. The QoE report, its conclusions and its sign-off stay with your firm. Devaland is not an accounting firm, and nothing here is accounting, legal, tax or investment advice.

What documents does it read?

The CIM, the financial statements (PDF or Excel), the tax returns and any add-back schedule the seller provides. Every figure it reports carries the document and page it came from.

How do we try it without a commitment?

Open the sample above, then run one real deal for $99. It is fully self-serve: pay, get a one-click login by email, upload, run.

Do we have to talk to anyone?

No. Questions in writing are welcome at [email protected].