Anchor Earnings
Services

The report, the prep,
and the years before

Quality of Earnings reports for the buyer, the seller, or the lender who needs a report. Preparation for the owner who is about to be tested. Exit-readiness for the owner who wants years of runway. Every engagement is priced in a written proposal, and our fee never depends on the outcome.

Quality of Earnings

Three reports, three clients, one standard

Every QoE we prepare covers the same ground: normalized EBITDA with a documented adjustments schedule, proof of cash to the bank statements and the tax returns, revenue recognition and cut-off, customer concentration, run-rate, and the working capital trend. What changes is who we work for. We work alongside your accountant. We explain your numbers, prep you for the QoE, and provide a documented QoE for the transaction.

Report

Buy-side QoE

For the buyer

Know what the business really earns before you commit, and what to negotiate.

Includes

  • Normalized EBITDA, every adjustment tested against its document
  • Proof of cash, trailing twelve months plus two fiscal years
  • Revenue quality, cut-off and customer concentration
  • Working capital trend and a proposed peg

You get

  • A number you can lend, bid and negotiate on
  • The findings, ranked by what they are worth
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Report

Sell-side QoE

For the seller

Find out what an independent team will find, before the buyer's team or the lender's team does.

Includes

  • The same tests a buyer or lender will run
  • An add-back schedule that holds up, with its evidence file
  • The issues, spotted early enough to fix or explain
  • A report you can share in the data room

You get

  • A supported earnings number to go to market with
  • A faster, calmer diligence when the buyer's team arrives
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SBA Appendix 15
Report

Lender-side QoE

For SBA 7(a) lenders, banks and non-bank lenders

The independent report the SBA now requires on acquisition loans of $3 million or more, engaged by you and prepared for you.

Includes

  • Engagement letter to the lender, report to the lender
  • Cash proof reconciled to bank activity and to the tax returns
  • Normalized earnings schedule ready for the DSCR calculation
  • Revenue quality, contract survival and customer concentration

You get

  • A report your credit team can rely on and your file can show
  • A preparer with no ties to the buyer, the seller, or the broker
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QoE Prep

Pass the report that is coming

For owners with a deal in sight, or a lender's QoE on the closing checklist. The lender picks who writes its report. What that report finds is up to you.

Most requested
Sprint

QoE Prep Sprint

For the owner, before diligence

Two to six weeks of getting the numbers and the documents ready before anyone starts the clock.

Includes

  • Add-back schedule rebuilt, with documentation behind every line
  • Revenue tied to bank deposits, month by month, for three years
  • Books reconciled to the tax returns before anyone else does it
  • Revenue by customer, contracts, and a working capital schedule
  • The data room staged for the request list that is coming

You get

  • A report that confirms your number instead of reopening it
  • Days to answer a data request, not months
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Project

Diligence-Ready Build

For the owner with more time

The prep sprint, done properly and permanently: clean monthly closes, consistent reporting, and a forecast a buyer's team wants to see.

Includes

  • Financial cleanup and a repeatable monthly close
  • Normalized earnings and add-back documentation
  • KPI and management reporting a buyer expects
  • Data room foundations

You get

  • Books that hold up under a buyer's or a lender's scrutiny
  • Fewer surprises and a stronger position at the table
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Exit-Readiness

For owners two to ten years out

Earnings quality is built out of history. Start early and the clean years are the ones on the table.

Start Here

Exit-Readiness Assessment

A structured review of how your business would look to a buyer or a lender, before either of them looks.

Includes

  • Financial statement and earnings-quality review
  • Owner-dependence and key-person risk check
  • Reporting and systems maturity review
  • Readiness score with a prioritized fix list

You get

  • A clear picture of today's readiness
  • The shortlist of fixes that move value
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Project

Driver-Based Forecasting

A forecast built on the levers that run your business, crews, jobs, rates, utilization, so the growth story has numbers behind it.

Includes

  • Driver-based financial model, built for your operations
  • Scenario planning for growth, hiring and pricing
  • Valuation-sensitivity view: what moves the number

You get

  • A credible growth story backed by numbers
  • Years of runway spent improving the right things
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Quarterly Retainer

Exit-Readiness Retainer

Readiness decays. The retainer keeps the business buyer-ready every quarter until you decide it is time.

Includes

  • Quarterly readiness reviews and score updates
  • Ongoing reporting and earnings-quality upkeep
  • Forecast refreshes as the business changes
  • On-call guidance when buyers or lenders come knocking

You get

  • The option to sell on your timeline, not a buyer's
  • Negotiating from strength when the call comes
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Not sure which one you need?

Tell us which seat you are in and when the deal closes. We will tell you honestly which report or which prep fits, and what to have ready. The first call is free.

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