SBA Quality of Earnings for Dallas-Fort Worth deals, delivered in ten business days
A QoE built to SOP 50 10 8.1 for Dallas-Fort Worth & Texas lenders and buyers, signed by Edwin van Stam, CPA, at a fee published before you call. One hour behind Central time, with the same business day.
Request an engagement letter See feesReply within one business day · Fixed fee in writing · No obligation
Texas is the second-largest SBA market in the country
in SBA 7(a) loans approved in Texas in 2025
7(a) loans approved in Texas in 2025
average Texas 7(a) loan, well above the national average of about $500K
Source: SBA 7(a) approval records for 2025 (FOIA), as compiled by GoSBA Loans; national average from SBA FY2025 data. Figures cover all 7(a) loans, not only acquisitions.
Larger average loans mean more Texas acquisitions cross the $3M line where SOP 50 10 8.1 requires an independent QoE. Regional firms in Dallas, Fort Worth, Houston, and Austin do strong work but rarely publish SBA QoE fees or turnaround commitments. We publish both, and the CPA who scopes the deal signs the report.
Published, fixed, and the same for every lender
| Business purchase price | SBA 8.1 QoE | Delivery |
|---|---|---|
| Under $3M (lender-requested) | $11,500 | 10 business days |
| $3M to $4M | $12,500 | 10 business days |
| $4M to $5M | $14,500 | 10 business days |
| $5M to $10M | $19,500 | 10 business days |
| $10M to $15M | from $26,500 | scoped |
| QoE Review of a buyer's report | $5,500 | 5 business days |
Buy-side and sell-side QoE follow the same grid. Travel to the business, when you want it, is billed at cost. Full fee schedule and estimator →
From request to report in two weeks
- Day 0: engagement letter. Signed within one business day, after a same-day conflict check.
- Day 2: gap list. What's missing from the file, within 48 hours of the request list going out.
- Week one: issues list. Material findings reach the lender and buyer while there's still time to restructure.
- Day 10: final report. Narrative PDF, Excel databook, and the "QoE Adjusted Earnings for DSC" figure, with two rounds of credit Q&A.
Every engagement is document-based with video management interviews. Dallas-Fort Worth is a direct flight from Salt Lake City when an on-site visit helps.
Businesses we know from the inside
Commercial HVAC & mechanical
Including data center cooling, a fast-growing segment across the DFW corridor.
Construction & trades
Work-in-progress, over and under billings, backlog fade, and retainage.
Logistics & distribution
Customer contracts, fuel and freight pass-throughs, and fleet capex.
Dental & healthcare practices
Collections, payer mix, and owner compensation normalized to market.
Professional services
Utilization, recurring client revenue, and key-person risk.
SaaS & technology
Recurring revenue, churn, and deferred revenue for Texas software companies.
A QoE vendor you can put on the panel today
- Engagement letter in one business day, so it's formally engaged by loan number under PLP
- Written independence policy and a conflict check on every deal
- Cash proof for the trailing 12 months and two fiscal years, plus IRS transcript tie-out
- One "QoE Adjusted Earnings for DSC" figure for your credit memo
- QoE Review of buyer-commissioned reports in five business days
Test the numbers before your lender does
Under LOI on a Dallas-Fort Worth-area business? A pre-LOI earnings screen ($1,950) tells you early whether the seller's add-backs hold up. For SBA deals of $3M or more, bring your lender in early so one QoE serves you both.
Which QoE do I need? → · The SBA QoE rule in plain English →
Questions from Dallas-Fort Worth lenders and buyers
Can you prepare a QoE for a deal in our state?
Yes. A Quality of Earnings is a consulting engagement, not an audit, review, or other attest service, and the work is document-based. Each report is prepared and signed by Edwin van Stam, who is individually licensed as a CPA in Utah.
Do you need to visit the business?
Usually not. The work is document-based: bank statements, tax returns, IRS transcripts, and the general ledger, plus video interviews with management. When a lender or buyer wants a site visit, we add one and bill travel at cost.
Does a QoE from an out-of-state firm meet SOP 50 10 8.1?
The SOP requires an independent qualified financial professional and sets minimum procedures. It has no location requirement. Our report includes an SOP compliance cross-reference page so your credit team can check each required element.
Do you also cover Houston, Austin, and San Antonio?
Yes. The work is the same anywhere in Texas: document-based diligence, video interviews, and a site visit only when the lender or buyer wants one.
Working a Dallas-Fort Worth deal?
Send the deal basics and we'll reply within one business day with an engagement letter or a scoping call.