Do SBA 7(a) lenders accept a Shepi QoE?

Lenders evaluate the underlying analysis, not the logo on the cover. Shepi outputs the standard QoE deliverables — adjusted EBITDA bridge, working-capital schedule, GL anomaly review, revenue quality — in formats lenders are used to seeing. Many lenders are comfortable underwriting on a Shepi analysis paired with tax returns. For deals where the lender requires CPA attestation, Shepi is analytical software and does not issue attestation opinions.

How fast can I get a QoE for an SBA loan submission?

Shepi can produce a lender-ready EBITDA bridge and working-capital schedule within 24–48 hours of receiving trial balances. Traditional QoE engagements take 4–8 weeks, which is often a binding constraint on closing timelines.

What's the cost difference?

Traditional CPA QoE for an SBA-financed acquisition typically runs $25,000–$50,000. Shepi starts at $1,000 per project. Done-For-You with CPA-led review of the adjustments is $5,000.

Can the borrower run Shepi or does it have to be the lender?

Either. Many of our SBA-channel deals start with the borrower (searcher, buyer) running the initial analysis and sharing the workbook with their lender. The lender then reviews and may run their own scenarios. Shepi outputs are designed to be shareable.

What about SBA SOP requirements?

SBA SOP 50 10 requires lenders to validate seller-reported cash flow and EBITDA for acquisition loans. Shepi's GL-level review, EBITDA adjustments with audit trail, and working-capital analysis directly support that validation — without you waiting weeks for a third-party engagement.

Shepi — AI Quality of Earnings Software for SMB M&A

SBA acquisition lending lives or dies on the timeline to close. Shepi compresses the QoE phase from 4–8 weeks to 24–48 hours, with deliverables in the format SBA underwriting expects.

24–48 hrs

Lender-ready output

$1,000

Per project

100%

GL coverage

What SBA Lenders Need from a QoE

SBA SOP 50 10 requires lenders on acquisition loans to independently validate the seller's reported earnings — they can't underwrite on the seller's word. In practice, this means a Quality of Earnings analysis that establishes:

Adjusted EBITDA

Reported EBITDA bridged to a defensible adjusted figure, with each add-back categorized and supported

Revenue quality

Recurring vs project revenue, customer concentration, AR aging, trend stability

Working-capital peg

Multi-period NWC build with turnover ratios and a normalized peg for the close

Cash proof

GL-to-bank reconciliation that surfaces unrecorded liabilities or commingled expenses

Anomaly review

Round-dollar entries, period-end clustering, duplicate detection across 100% of the GL

Owner add-back support

Personal expenses, owner compensation normalization, related-party transactions — each with source detail

Lender-Ready Deliverables

Shepi exports a PDF QoE report and a structured Excel workbook with every supporting schedule. The Excel ties out to the GL, so underwriting can drill into any adjustment without bouncing emails back and forth.

Timeline

Phase	Traditional CPA QoE	Shepi
Engagement letter / kickoff	1–2 weeks	Same day
Data ingestion & mapping	1–2 weeks	Hours
Analysis & adjustments	2–3 weeks	Same day after ingestion
Draft report	1 week	Same day
Total	4–8 weeks	24–48 hours

Shepi vs Traditional QoE for SBA Deals

Dimension	Traditional CPA QoE	Shepi
Cost	$25,000–$50,000	$1,000–$5,000
Timeline impact on closing	Often gating	Removes the constraint
Re-runs after data corrections	Bill again	Included
Lender review workbook	PDF + custom Excel	PDF + structured Excel with GL traceability
Attestation opinion	Available	Not offered — analysis only

FAQ

SBA SOP 50 10 8.1 & QoE Requirements

QoE Cost Calculator

Shepi for Lenders

Proof of Cash

Quality of Earnings for SBA Loans

What SBA Lenders Need from a QoE

Lender-Ready Deliverables

Timeline

Shepi vs Traditional QoE for SBA Deals

FAQ

Related

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