Fictional example profile
Northbridge Assurance Group
Credit-committee-ready QoE with documented add-back support
Northbridge supports SBA lenders with Quality of Earnings engagements oriented to credit review. Reports emphasize transparent add-back documentation, working-capital analysis, and clear statements of what was and was not verified. The practice serves the Northeast in person and works remotely nationwide.
- Location
- Boston, MA
- Service reach
- Northeast & remote
- Provider type
- Regional firm
Quality of Earnings capabilities
- Quality of Earnings
- Working Capital Analysis
Experience and credentials
- Years providing QoE services
- 11
- Total QoE engagements completed
- 140
- SBA-related QoE engagements completed
- 70
- Transaction sizes with experience
- $2M–$15M
Professional credentials
- CPA
- CFA
Industry experience
Professional services
25–40 lender-engaged QoE reports
Software
10–15 lender-engaged QoE reports
Complex transaction experience
- Subscription/recurring revenue
- Multiple entities
- Customer concentration
- Significant add-backs
Team
Jonathan Hale, CPA
Principal
Credentials
CPA
Oversees lender-engaged QoE delivery and credit-committee Q&A support.
Amelia Brooks, CFA
Engagement Manager
Credentials
CFA
Leads recurring-revenue and professional-services QoE analyses.
David Okonkwo
Senior Analyst
Builds normalization models and working-capital bridges for draft reports.
Sara Klein, CPA
Quality Reviewer
Credentials
CPA
Performs independent review of findings before lender delivery.
Sample deliverables
Fictional sample placeholder
Illustrative lender QoE findings memo
Fictional memo format summarizing material findings for a credit committee.
Fictional sample placeholder
Recurring-revenue QoE excerpt
Fictional excerpt showing how subscription metrics may appear in a QoE package.
Engagement process
How to engage
Lender-retained engagement letter; weekly status updates
Proposal and scope
Confirm transaction facts, complexity factors, and delivery date.
Data room review
Assess completeness of books, contracts, and supporting schedules.
Analysis and interviews
Complete QoE procedures and management interviews as needed.
Internal quality review
Independent review of draft findings before lender circulation.
Lender walkthrough
Present findings and address credit-team questions.
Final report
Deliver the finalized QoE package and supporting workpapers index.
Post-delivery support
Respond to follow-up lender questions within the engagement window.