With the recent SBA SOP updates, I know buyers are concerned about lenders requiring a Quality of Earnings report and potentially having to pay for a second QoE. Here’s how I’m handling it: I’m doing the QoE for the buyer. They are my client. If the lender needs to review it, they can sign a non-reliance letter and receive the buyer’s QoE, which already includes the information required under the SBA SOP. If a lender still wants to order its own separate QoE, they are welcome to do so. I already work with multiple lenders who get deals funded. If you’re buying a business with SBA financing and have questions about how the new QoE requirements may affect your deal, feel free to reach out. redacted If you are lender and want to work with qualified QoE Provider email me to get on my preferred lender list. Bonus to working with me and my lenders: You will get the QoE in 2 to 3 weeks. You will get a better rate with the lender since I cannot take loan broker fees as a CPA. Your lender will not charge a large good-faith deposit. And you can still shop around to get the best rate since you the buyer own the QoE report.