Who we serve
Self-funded search
Buy-side diligence, SBA loan support, and post-close accounting for self-funded acquirers.
Overview
Self-funded searchers acquire a business with their own capital, an SBA 7(a) loan, and a personal guarantee. There is little room for error in diligence, and the accounting must be in order from day one to meet lender requirements. Edler Zain provides buy-side Quality of Earnings, SBA lender coordination, deal structuring, and ongoing accounting for self-funded acquirers.
Common challenges
Verifying seller earnings before committing personal capital and a guarantee
SBA lender documentation and financial statement requirements
Debt service coverage and cash flow after closing
Purchase price allocation and tax elections
Taking over books maintained by the seller's bookkeeper
Running the business while building a finance function
How we help
Our services for self-funded searchers include:
Who we serve
Individuals acquiring a first business with SBA financing, typically companies with $500,000 to $3 million of EBITDA.
Schedule a consultation
Speak with a member of our team about your business. We will review your current situation and outline how we can help.
Frequently asked questions
Will SBA lenders accept your Quality of Earnings?
Yes. Our reports are prepared to SBA lender standards and we coordinate directly with the lender when needed.
What does a Quality of Earnings cost for a deal this size?
Fees are fixed and scaled to the size and complexity of the target. We quote before work begins.
Can you review a deal before I sign an LOI?
Yes. We offer a preliminary review of the CIM and financial summary to identify concerns before you commit.
Do you continue as the accounting team after closing?
Yes. Most self-funded searchers transition to our outsourced controller and tax services after close.