Cash, rebuilt from twelve months of bank statements.
Ridgeline Mechanical Services, a specimen business: deposits by month against revenue in the books.
Strategix Verification
Earnings you can lend against.
A second check of SBA quality of earnings work, signed under your firm's name.
Pages as the engine prints them, for a specimen business. The business and the lender are invented.
Get the highlights.
Deposits that are not revenue, found in their month.
- August 2025Insurance proceeds, hail claim$68,400
- September 2025Financing draw, equipment note$58,000
- December 2025Vendor rebate$6,200
- March 2026Financing draw, equipment note$84,000
- June 2026Vendor rebate$8,300
Deposits that are not customer revenue$224,900
Every adjustment, tied to the page it was read from.
Forward-looking add-backs, shown and excluded.
S-10Second crew added in the fourth quarter, annualized$186,000
S-11Price increase from April 1, annualized$142,000
Forward-looking, shown and excluded$328,000
Prepared for your review and your signature.
Selina AI keeps watch over the loan.
Coming later.
What a second check finds
$1,510,000
Adjusted earnings, as the seller presented themEarnings the documents support
Ridgeline Mechanical Services, twelve months to June 30, 2026. A specimen: the business is invented; the arithmetic is the engine's.
Why now
SBA lenders now need a quality of earnings report.
Since October 1, 2026, SOP 50 10 8.1 asks the lender to obtain a quality of earnings report with a cash proof on initial acquisitions and business expansions of $3,000,000 or more. The report is independent and written for the lender. The firms that do this work are seeing more of it, and Verification gives their teams a second set of hands on every file.
- Purchase price at which the report becomes required
- $3,000,000
- Of bank statements in a full cash proof: the trailing year and the two before it
- 36 months
- The date the requirement took effect
- Oct 1, 2026
Take a closer look at the reports.
Lender Earnings Report. For the credit officer at an SBA lender: the cash proof, every adjustment as presented and as accepted, and a declaration of what was verified and what was not.
Milagros AI
The Report.
Reads every bank statement, rolls and chains the months, sorts the deposits by source, ties each adjustment to its page and prints the report. A person reviews every section before it issues.
Selina AI
The Watch.
Coming later. After the loan closes, it watches the figures the report relied on and says in one line when one of them changes.
Pricing.
Per report, billed to the firm. Every report is prepared for your firm's review and signature.
Second check
$2,950per report
Your draft, checked against the seller's documents.
- Cash proof from the bank statements
- Every adjustment tied to its source page
- What was verified and what was not, listed
- Notes for your reviewer
Most firms start here
Full workpapers
$5,950per report
The work done, indexed, ready for your signature.
- Everything in Second check
- An indexed workpaper file
- Draft schedules your firm completes and signs
- One round of questions on the seller's books
Firm program
Custommonthly
A set number of files each month.
- A named lead on every file
- Priority scheduling
- Selina AI on closed loans when it launches
Prices exclude travel, which is rarely needed. Rush timing is quoted per file.
Questions? Answers.
Is Strategix a CPA firm?
No. Strategix does no attest work and gives no opinion. Your firm's professionals review and sign every report, and the client and the lender stay yours.
What does the work start from?
The seller's financial package: bank statements, tax returns, the income statement and balance sheet, and the seller's add-back schedule, for the trailing twelve months and the two fiscal years before them.
What happens when the documents don't support a figure?
The figure is shown, excluded and explained. Forward-looking adjustments are listed and left out of the total.
Anything the documents could not settle is reported as unresolved, so your reviewer sees it before anyone signs.
Who relies on the report?
The lender, and on file review the SBA. The report says so on its last page. It is a financial due diligence report prepared under no audit, review, compilation or attest standard.
When does Selina AI begin?
Selina AI comes later. A firm program can include it on closed loans once it launches.
Start an engagement.
Tell us about your firm and the file. We'll reply by email to set up a call.