SBA Quality of Earnings for Las Vegas deals, delivered in ten business days
A QoE built to SOP 50 10 8.1 for Las Vegas & Nevada lenders and buyers, signed by Edwin van Stam, CPA, at a fee published before you call. An hour's flight from Salt Lake City, one time zone apart.
Request an engagement letter See feesReply within one business day · Fixed fee in writing · No obligation
Nevada is an active SBA market
in SBA 7(a) loans approved in Nevada in 2025
7(a) loans approved in Nevada in 2025
lenders made 7(a) loans in Nevada in 2025
Source: SBA 7(a) approval records for 2025 (FOIA), as compiled by GoSBA Loans. Figures cover all 7(a) loans, not only acquisitions.
Since SOP 50 10 8.1 took effect, every 7(a) acquisition with a business purchase price of $3M or more needs an independent QoE. Cash-heavy businesses, which are common in Las Vegas, are exactly where the SOP's cash proof matters most. We publish the fee and commit to ten business days.
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. Las Vegas is about an hour by air from Salt Lake City when an on-site visit helps.
Businesses we know from the inside
Restaurants & hospitality
POS and delivery-platform payouts reconciled to the bank, tips, comps, and cash handling.
Construction & trades
Work-in-progress, over and under billings, backlog, and retainage.
HVAC & home services
Maintenance agreements, seasonality, and technician capacity in a high-demand climate.
Dental & healthcare practices
Collections versus production, payer mix, and provider compensation.
Logistics & distribution
Customer contracts, freight pass-throughs, and fleet capex.
Professional services
Utilization, recurring client revenue, and key-person risk.
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 Las Vegas-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 Las Vegas 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 cover Reno and the rest of Nevada?
Yes. Reno, Henderson, and the rest of Nevada are handled the same way: document-based diligence, video interviews, and a site visit when the lender or buyer wants one.
Working a Las Vegas deal?
Send the deal basics and we'll reply within one business day with an engagement letter or a scoping call.