Earnings quality
Do tax returns, financial statements, and addbacks describe the same business?
SBA Acquisition Readiness
A Profitable Business Can Still Be a Bad Acquisition.
Before committing your capital, understand the company’s earnings, financing requirements, hidden dependencies, and transition risk.
Get the SBA Acquisition Readiness Blueprint ↓Before the deal advances
Know what could change the deal before the deal advances.
Use the Blueprint to evaluate the deal before you spend more time, capital, or leverage.
Six dimensions of readiness
The risk is rarely contained in one number.
Customer concentration
How much revenue can disappear if one relationship changes after closing?
Working capital
Will the company remain stable after the down payment and closing costs are funded?
Owner dependence
Is the owner leaving—or is the business leaving with the owner?
Debt service
Can normalized cash flow support the acquisition without constraining the enterprise?
Transition architecture
Are the seller’s role, timeline, employees, customers, and first 90 days deliberately planned?
The field guide
The SBA Acquisition Readiness Blueprint
For buyers exploring an acquisition, evaluating a target, negotiating an LOI, or preparing for financing.
Test the earnings
Separate durable cash flow from unsupported addbacks and owner dependence.
Understand the financing
See how liquidity, experience, valuation, debt service, and working capital affect the structure.
Protect the transition
Plan the seller’s role, customer continuity, and the first 90 days before closing.
Understanding precedes recommendation.