Workup is the analyst's read on small business acquisitions: pre-LOI screens and full financial diligence for buyers, and Quality of Earnings work under SBA SOPredactedon 7(a) acquisitions of $3 million or more, whether the lender or the buyer commissions it. Bank-statement cash proof, add-backs tested against bank payees, owner compensation at replacement rate, and debt service coverage on the number that survives. Founder as reviewer of record, twenty years institutional buy-side. Free 1.25x calculator at getworkup.ai/tools