SBA 7(a) Lending
Lender-Commissioned Quality of Earnings for SBA 7(a) Acquisitions (SOP 50 10 8.1)
The new SOP makes a lender-commissioned QoE mandatory on acquisitions of $3 million or more. Workup delivers the full SOP-scope report in five business days.
Request our engagement letter and a sample reportWhat changed on October 1, 2026
$3M threshold
A Quality of Earnings report is required on Initial Acquisitions and Business Expansions with a business purchase price of $3 million or more.
Lender-commissioned
The QoE is commissioned by and prepared for the lender — not the buyer or the broker.
Cash Proof required
The report must include a Cash Proof covering the trailing twelve months plus the two most recent fiscal years.
QoE earnings drive DSC
The lender must use the QoE-verified earnings in the debt service coverage calculation, at the 1.25x standard.
What Workup delivers
An SOP-scope report, delivered in five business days from complete materials:
- Cash Proof — TTM plus two fiscal years
- Documented add-backs
- Normalized earnings with SDE
- Customer concentration and contract continuity
- Working capital analysis
- DSC test at the SBA 1.25x standard
- Ranked risk register
- Excel databook
- Executive summary
- Findings call with your team
- 60-day support window for lender and counterparty questions
Why lenders choose Workup
Speed.
Delivered in five business days from complete materials — inside loan-number timelines, not after them.
Independence.
Workup takes no success fees, brokers no transactions, and provides no financing. Our only interest is getting the numbers right.
Reviewer of record.
Every engagement is reviewed by a practitioner with twenty years of institutional portfolio management experience.
Insured.
Professional liability (E&O) coverage that affirmatively covers AI-assisted analysis, plus cyber liability coverage. Certificates available on request.
Documented data handling.
Client documents are encrypted in transit and at rest, never used to train AI models, and deleted 90 days after report delivery. How Workup handles your documents.
For borrowers
The QoE fee is borrower-paid and may count toward your equity injection. Before the lender’s report decides your deal, know where you stand: a Workup Pro pre-flight tells you whether your deal clears 1.25x — and Pro fees are credited in full toward a Diligence engagement on the same deal within 60 days.
Lenders: request our engagement letter and a sample report
Tell us about your pipeline — we’ll respond within one business day.
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