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

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

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

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.