SBA Quality of Earnings for Phoenix deals, delivered in ten business days
A QoE built to SOP 50 10 8.1 for Phoenix & Arizona lenders and buyers, signed by Edwin van Stam, CPA, at a fee published before you call. Arizona time, a short flight from Salt Lake City.
Request an engagement letter See feesReply within one business day · Fixed fee in writing · No obligation
Arizona is an active SBA acquisition market
in SBA 7(a) loans approved in Arizona in 2025
7(a) loans approved in Arizona in 2025
lenders made 7(a) loans in Arizona in 2025
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.
Phoenix is one of the most active markets in the country for buying service businesses with SBA financing, and acquisitions of $3M or more now need an independent QoE. Most providers quote only after a scoping call. 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. Phoenix is under two hours by air from Salt Lake City when an on-site visit helps.
Businesses we know from the inside
HVAC & home and commercial services
Maintenance agreements, seasonality, technician capacity, and add-backs typical of owner-run service companies.
Construction & trades
Work-in-progress, backlog, retainage, and equipment with deferred maintenance.
Dental & healthcare practices
Collections versus production, payer mix, and provider compensation.
Manufacturing
Inventory, standard costs, customer concentration, and capex.
Restaurants
Multi-unit reporting, delivery platforms, tips, and cash.
SaaS & technology
Recurring revenue quality, churn, and deferred revenue.
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 Phoenix-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 Phoenix 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.
Arizona doesn't observe daylight saving time. Does that matter?
Only for scheduling. Half the year we share a clock with Phoenix and half the year we're an hour ahead, and we schedule interviews around your team either way.
Working a Phoenix deal?
Send the deal basics and we'll reply within one business day with an engagement letter or a scoping call.