pillar diligence
FINANCIAL CLEARANCE & SBA PRE-FLIGHT.
We verify add-backs, tax returns, and bankable DSCR in 48 hours—eliminating deal bottlenecks for SBA lenders and buyers.
Aligned with SBA 7(a) SOP Standards / Trusted by Top PLP Lenders & Searchers
01 / THE MAIN STREET BOTTLENECK
Your exclusivity window won’t wait.
THE OLD WAY
Traditional 4-Week CPA Audits
Four weeks of waiting. $5k–$10k+ in fees. Manual spreadsheets and missed exclusivity deadlines.
THE PILLAR ADVANTAGE
pillar diligence 48-Hour Engine
Fast 48-hour turnarounds. Productized pricing. Credit-memo-aligned reports. A 100% fee roll-over guarantee.
02 / A SCOPE FOR EVERY DEAL
Institutional rigor. Main Street pricing.
Start with the clarity you need. Scale your diligence as the deal progresses.
TIER 01 / <$1M REVENUE
SBA Readiness Audit
$799
48 HOURS
Pre-flight check, SDE verification, and bankable DSCR test.
Start your audit
TIER 02 / $1M–$3M REVENUE
Standard Buyer’s QoE
$1,999
3–5 DAYS
Proof-of-cash, working capital review, and tax reconciliation.
Start your audit
TIER 03 / $3M+ REVENUE
Enterprise Full QoE Dossier
Custom quote
5–7 DAYS
Comprehensive independent QoE meeting SBA SOP rules.
Request a quote
100% of lower-tier fees roll over directly as a credit toward higher-tier upgrades.
03 / WHAT WE VERIFY
Every number. A defensible foundation.
SDE Add-Back Verification
Granular audit of owner perks and non-recurring expenses.
Tax-to-Bank Reconciliation
Verifying tax returns against actual bank statement deposits.
Working Capital Pegs
Ensuring adequate cash flow requirements for SBA closing.
Credit-Memo-Ready Summary
Executive summary structured for immediate lender submission.
Built for the credit committee.
SBA-focused analysis, traceable adjustments, and a lender-ready narrative. Less back-and-forth. A clearer path to underwriting.
04 / MOVE YOUR DEAL FORWARD
Submit Your Deal File for Review.
Submit Deal File
Drag and drop P&L, tax returns, or financials here — Secure Vault Upload Pending
Online intake is not connected yet. Entries are not submitted or saved. Contact us to arrange a secure document transfer; do not email sensitive files.
Request secure intake
05 / BEFORE WE BEGIN
A few important details.
When does the turnaround begin?
The review period begins once the engagement is confirmed and a complete document package is received. Timing depends on your selected tier and document completeness.
Can I upgrade as the deal progresses?
Yes. 100% of lower-tier fees are credited toward a higher-tier engagement, so your initial diligence investment carries forward.
Does the report guarantee SBA approval?
No. Our work supports diligence and pre-underwriting. Credit decisions, eligibility determinations, and final approval remain with the lender and the SBA.
pillar diligence
Independent financial diligence and advisory services. Not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration. Reports do not constitute a lending commitment, legal advice, or an audit or attestation opinion. SBA requirements and lender policies may vary. Turnaround estimates begin after receipt of complete documentation.
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