Buy-Side SMB Models

Underwriting and financial models for ETA searchers. Clear your SBA lender before exclusivity closes.

Underwrite My Deal
A close-up photograph of an executive desk in a North American private equity office with a dual-monitor setup displaying detailed financial spreadsheets, debt schedule tables, and a leather notebook. Warm daylight, sharp institutional clarity, with subtle navy and sandstone desk accessories.
A close-up photograph of an executive desk in a North American private equity office with a dual-monitor setup displaying detailed financial spreadsheets, debt schedule tables, and a leather notebook. Warm daylight, sharp institutional clarity, with subtle navy and sandstone desk accessories.

SDE QoE

Normalize owner earnings and verify genuine run-rate EBITDA with precision.

DSCR & Debt

Stress-test 10-year SBA 7(a) amortization and seller note terms.

WC Peg

Calculate exact net working capital true-ups and avoid closing cash gaps.

SBA Bank Pack

Bank-grade sources and uses tables structured for credit approval.

A sharp top-down photograph of an acquisition dossier on a dark wood table in a North American business setting, with printed financial schedules, an institutional financial calculator, and a fountain pen, conveying institutional diligence.
A sharp top-down photograph of an acquisition dossier on a dark wood table in a North American business setting, with printed financial schedules, an institutional financial calculator, and a fountain pen, conveying institutional diligence.

Fast Deal Screening

Don't waste 60 days of exclusivity on an unbankable deal. We rebuild broker earnings into an institutional model within 48 hours.

Identify hidden concentration risks, unviable working capital requirements, and real debt capacity before wiring earnest money or legal retainers.

Screen
An editorial photograph of a finance professional analyzing multiple monitors displaying dynamic financial models with sensitivities and cash flow forecasts in an institutional North American firm office.
An editorial photograph of a finance professional analyzing multiple monitors displaying dynamic financial models with sensitivities and cash flow forecasts in an institutional North American firm office.

Institutional QoE

Independent searchers can't afford a $50k Big Four QoE on a sub-$5M transaction. We deliver rigorous, buy-side grade financial modeling calibrated specifically for ETA and self-funded buyers.

From SBA 7(a) debt schedules and standby seller notes to customer concentration haircuts, get clarity to negotiate deal terms with absolute conviction.

Explore Models
A crisp architectural and desktop photo in a North American corporate banking conference room, showing an open spreadsheet workbook with sources and uses tables beside architectural blueprints of commercial property.
A crisp architectural and desktop photo in a North American corporate banking conference room, showing an open spreadsheet workbook with sources and uses tables beside architectural blueprints of commercial property.

SBA 7(a) Precision

Lenders reject submissions with sloppy add-backs or unsupported debt service coverage. Every model is built to satisfy underwriters on their first pass.

We map sources and uses, minimum equity injections, and debt covenants so your credit memo sails through committee without costly revisions.

Read SOW

Service Tiers

Published rates. Fast turnaround. Zero generic agency

Underwriting Scope

Built for searchers under strict exclusivity deadlines.

Professional portrait of an experienced buy-side financial analyst in tailored business attire reviewing acquisition notes in a contemporary North American office.
Professional portrait of an experienced buy-side financial analyst in tailored business attire reviewing acquisition notes in a contemporary North American office.
Architectural documentary style photo of a modern private equity conference room in North America with clean minimalist lines and ambient morning light.
Architectural documentary style photo of a modern private equity conference room in North America with clean minimalist lines and ambient morning light.
Top-down detailed photograph of hands working through a financial quality-of-earnings binder with highlighters and charts in a North American corporate setting.
Top-down detailed photograph of hands working through a financial quality-of-earnings binder with highlighters and charts in a North American corporate setting.

Deal Screen

48-Hr Go/No-Go Model

$1,250 Fixed Rate

Full Model

Bank-Grade Pack

$3,500 Full Diligence

Advisory

Live Deal Retainer

Custom Searcher Support

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Searcher Feedback

$140M+ Underwritten

"The model exposed a $240k customer concentration hole before we sent our deposit."

— Dan K.

"Our SBA lender approved the sources and uses on first review. Unmatched institutional rigor."

— Alex P.

"Saved us from overpaying by $400k on an unverified SDE add-back. Worth every penny."

— M. R.

Workflows

Sample workbooks delivered with dynamic debt and tax schedules.

A clean macro photograph of an acquisition financial model spreadsheet on a monitor screen showing structured working capital analysis and cash conversion metrics in a North American corporate office.
A clean macro photograph of an acquisition financial model spreadsheet on a monitor screen showing structured working capital analysis and cash conversion metrics in a North American corporate office.
A photograph of a printed confidential information memorandum and annotated quality of earnings schedules on an executive mahogany desk in a North American boardroom.
A photograph of a printed confidential information memorandum and annotated quality of earnings schedules on an executive mahogany desk in a North American boardroom.
A high-contrast photograph of debt amortization schedule tables and DSCR sensitivity matrices displayed cleanly on a high-resolution display in a quiet North American financial workplace.
A high-contrast photograph of debt amortization schedule tables and DSCR sensitivity matrices displayed cleanly on a high-resolution display in a quiet North American financial workplace.
A crisp architectural shot of an executive financial desk with dual displays showing institutional financial valuation tables and SBA loan packaging templates in North America.
A crisp architectural shot of an executive financial desk with dual displays showing institutional financial valuation tables and SBA loan packaging templates in North America.

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