Short answer: QoEAgent has built a client portal to handle SBA lender quality of earnings at volume, ahead of SBA SOP 50 10 8.1 taking effect on October 1, 2026. Engagement letter, data request list, secure document upload, communication and work product delivery sit in one place, with clear status for everyone involved.
The engagement this portal supports is the SBA quality of earnings report.
Why a Portal, Why Now
Our SBA lender QoE process runs on bank statements, detailed data requests and proof of cash reconciliation for the trailing twelve months and the last two fiscal years. For a single engagement, email handles it. Once SOP 50 10 8.1 requires a QoE on SBA acquisitions of $3 million or more, the volume changes and email breaks down quickly.
When twenty lenders are each uploading bank statements and asking about outstanding items, a shared inbox becomes the bottleneck. Documents get buried. Status is unclear on both ends. The engagement manager spends more time fielding email than doing the work.
What the Portal Does
The portal handles every step of the engagement workflow in one place:
- Engagement letter and NDA, signed and filed at the start
- Data request list, customized by engagement type, with clear status on what is outstanding
- Secure document upload, so bank statements and supporting materials come in through the portal rather than as email attachments
- Communication, with questions and updates kept in the engagement thread and visible to the right people
- Work product delivery, with reports and findings delivered securely through the same interface
The client interface is designed to feel as simple as email. Lenders and the businesses providing the data should be able to drop in bank statements without learning new software.
Built for the October 1 Market
We built the portal ahead of the October 1 effective date of the SBA’s new quality of earnings requirement in SOP 50 10 8.1. SBA lenders sourcing QoE work for the first time can run an engagement through it, work through the data request without back-and-forth email, and receive a completed report formatted for bank credit review. Under the SOP the report is prepared for the lender’s benefit, not the borrower’s; see who can prepare an SBA quality of earnings.
If your institution is scoping what SBA QoE compliance requires, or you have an engagement that needs to move quickly, contact us through the contact page or book a call through the scheduling link there.