QoEAiAI · Financial Diligence

AI-Powered Financial Diligence

From rapid first-look to full quality of earnings — scalable diligence for every deal timeline and budget

QoEAgent offers a tiered suite of financial diligence products — each built on the same artificial intelligence (AI) platform, the same verifiable databank, and the same team of licensed CPAs and M&A advisors. Start with a complete proof-of-cash, add GAAP-formatted statements with Proof-of-Cash PLUS, or go all the way with a quality of earnings (QoE) Essentials engagement. Every product produces traceable, defensible output — no black boxes, no guesswork.

Tier 1 · Fastest delivery

Proof-of-Cash

A complete proof-of-cash — a first look at where the numbers land before committing to deeper diligence.

  • Revenue reconciled to within 1 percent of bank statement cash receipts
  • Expenses reconciled to within 1 percent of bank statement debits
  • Reconciling cash flows summarized — capex and other investments, debt, equity, sales and income taxes, and inter-account transfers
  • Delivered at deal speed — designed for time-sensitive situations

A complete proof-of-cash, to ensure unaudited books capture all bank-reported cash flows.

Sign in as the Client, enter engagement letter phase. Only pay when results are delivered.
Tier 2 · Full reconciliation

Proof-of-Cash PLUS

A complete proof-of-cash with GAAP-formatted P&Ls, including reported EBITDA, and balance sheets — the foundation for serious financial due diligence.

  • Revenue reconciled to within 1 percent of bank statement cash receipts
  • Expenses reconciled to within 1 percent of bank statement debits
  • Reconciling cash flows summarized — capex and other investments, debt, equity, sales and income taxes, and inter-account transfers
  • Classified income statements & balance sheets — monthly and 12-month, including reported EBITDA, for the TTM and two preceding fiscal years
  • GAAP-formatted statement of cash flows

A complete proof-of-cash, to ensure unaudited books capture all bank-reported cash flows, and GAAP-formatted statements — a complete platform for buy-side or sell-side financial review.

Sign in as the Client, enter engagement letter phase. Only pay when results are delivered.
Tier 3 · Complete databook

QoE Essentials

The most complete databook in the suite — everything in Proof-of-Cash PLUS and the analysis that drives deal decisions: EBITDA adjustments, working capital analysis, and customer concentration analysis.

  • Adjusted EBITDA schedule — GAAP/IFRS, normalizing, and buyer pro forma adjustments identified and quantified for each 12-month period
  • Working capital analysis — month-over-month trends and operating cycle metrics (DSO, DIO, DPO, CCC) across the historical period to support your peg determination
  • Significant-customer analysis — trend in sales to the largest customers across the historical period
  • Change-of-control review — all outstanding agreements reviewed for triggering provisions

Includes everything in Proof-of-Cash PLUS, plus a databook containing adjusted historical P&Ls, balance sheets, and TTM cash flows. Every figure sourced and traceable throughout.

Sign in as the Client, enter engagement letter phase. Only pay when results are delivered.
SBA-compliant databook

Lender QoE

SBA SOP 50 10 8.1-compliant QoE databook for 7(a) change-of-ownership loans. Proof-of-Cash PLUS for the TTM and two preceding fiscal years.

  • Adjusted EBITDA schedule — GAAP/IFRS, normalizing, and buyer pro forma adjustments identified and quantified for each 12-month period
  • Significant-customer analysis — trend in sales to the largest customers across the historical period
  • Revenue and gross margin trend analysis across the historical period
  • Reconciliation of pre-tax book income to taxable income reported in prior-year returns filed
  • Working capital analysis — month-over-month trends and operating cycle metrics (DSO, DIO, DPO, CCC) across the historical period

Includes everything in Proof-of-Cash PLUS, and a report and databook containing adjusted historical P&Ls, balance sheets, and cash flows for each 12-month period. Every figure sourced and traceable throughout.

Sign in as the Client, enter engagement letter phase. Only pay when results are delivered.

The founding team

Josh Cashman, CFA

M&A Transaction Advisory
University of Denver

Teaches Corporate Finance at the University of Denver; extensive background owning and operating M&A transaction advisory practices.

Dr. Tom Yeh, PhD

PhD MIT · Professor CS & AI
CU Boulder

PhD from MIT; Associate Professor of Computer Science & AI at the University of Colorado, leading research in AI systems and machine reasoning.

Ron Neufeld, CPA/ABV

Transaction Advisory
Regis University

Career in M&A transaction advisory services; taught TAS practice and due diligence methodology at Regis University.