Fictional example profile
Meridian QoE Advisory
Lender-engaged Quality of Earnings for SBA-backed acquisitions
Meridian prepares lender-engaged Quality of Earnings reports for SBA-backed acquisitions. Engagements focus on earnings quality, working-capital analysis, and documented add-backs that credit committees can review. The firm works remotely nationwide and on-site across the Midwest when fieldwork is required.
- Location
- Chicago, IL
- Service reach
- Nationwide (remote + on-site Midwest)
- Provider type
- CPA firm
Quality of Earnings capabilities
Only items reported Yes are listed.
- Quality of Earnings
- Working Capital Analysis
- Add-back Support
- Tax Return Analysis
Experience and credentials
- Years providing QoE services
- 14
- QoE engagements completed — past 12 months (TTM)
- 38
- SBA-related QoE engagements — past 12 months (TTM)
- 24
- Transaction sizes with experience
- $3M–$5M, $5M–$10M
Professional credentials
- CPA
- ABV
Industry experience
Healthcare services
QoE engagements in this industry — past 12 months (TTM)
11–25
Business services
QoE engagements in this industry — past 12 months (TTM)
6–10
Manufacturing
QoE engagements in this industry — past 12 months (TTM)
1–5
Complex transaction experience
Only items reported Yes are listed.
- Multiple business entities
- Significant add-backs
- Related-party transactions
- Customer concentration
- Poor/incomplete bookkeeping
Team
Elena Vasquez, CPA, ABV
Managing Partner
Credentials
CPA, ABV
Leads lender-engaged QoE scoping and report review for SBA-backed acquisitions.
Marcus Chen, CPA
Director, Financial Diligence
Credentials
CPA
Focuses on working-capital bridges and add-back support packages for credit teams.
Priya Nair
Senior Associate
Supports multi-entity consolidations and tax-return tie-outs on QoE engagements.
Sample deliverables
Full-scope lender QoE: managed IT services
- Industry:
- Business services
- Pages:
- 6
Focused-scope lender QoE: dental group
- Industry:
- Healthcare services
- Pages:
- 5
Engagement process
How to engage
Direct lender engagement; scoped proposal before kickoff
Intake and conflict check
Confirm lender engagement scope, parties, and timing constraints.
Information request
Issue a tailored request list for financials, tax returns, and supporting detail.
Kickoff call
Align lenders, borrowers, and advisors on timeline and open questions.
Fieldwork and analysis
Complete earnings, working-capital, and add-back analysis against lender criteria.
Draft report
Deliver a draft QoE package for lender review and clarification.
Final delivery
Issue the final report and supporting schedules for the credit file.