First report free — limited-time offer, ends November 10, 2026 92 days left

For Independent M&A Advisors & Buyers

Seller discretionary earnings, in a language buyers trust.

Before a formal Quality of Earnings report makes financial sense, someone still has to check whether the seller's claimed cash flow actually shows up in the bank. IncomeReady reads the real deposits and calculates seller discretionary earnings — self-serve, priced in the open.

First report free — ends Nov 10, 2026

Calculate your first report free See what it actually checks

No contract · No LOS integration · No sales call

QUALIFIED

Bank statement — Sept

09/03Client Payment — Rivas LLC$4,120✓ Income

09/07Transfer — Savings$1,000✗ Excluded

09/12Client Payment — Ortiz Co$3,860✓ Income

09/22Mobile Check Deposit$2,240✓ Income

Monthly qualifying income$7,614

Why buyers under $500K skip diligence entirely

A formal QoE report vs. a deposit check

A formal Quality of Earnings report builds a full EBITDA bridge and documents every add-back — real work, priced for deals well above what a first-time or small buyer is usually looking at. IncomeReady does the one thing that matters most before you make an offer: does the seller's claimed cash flow actually show up in the bank.

	IncomeReady	Formal Quality of Earnings Report
Bank deposits vs. claimed income	Verified automatically	Included
Atypical / unexplained deposit flags	Yes	Included
Seller discretionary earnings estimate	Yes, editable	Included
Full EBITDA bridge & add-back documentation	Out of scope	Core deliverable
Tax return reconciliation	Out of scope	Included
Licensed CPA sign-off	Not included	Included
Typical cost & turnaround	$0–$80, minutes	$3,900+, ~10 days

Three programs, one workspace

The same engine, tuned for how you work

M&A is one of three deal types the qualifying-income engine handles — switch programs without switching tools.

M&A — you are here

Acquisition cash flow, in a language buyers trust

Seller discretionary earnings and business acquisition cash flow — a category few self-serve tools touch at all.

seller discretionary earnings business acquisition cash flow SBA 7(a) acquisition income

Mortgage

Self-employed income, from real bank statements

Cash-flow based qualifying income for 1099 and self-employed borrowers. See the Mortgage page →

self-employed income calculator bank statement income calculator

SBA

Cash flow & DSCR analysis for SBA advisors

The add-back methodology, applied to SBA underwriting. See the SBA page →

SBA loan income calculator SBA cash flow add-backs

The actual workflow

From statement to signed report

Add the client

Business name, industry — suggested automatically as you type.

Upload the statement

CSV or PDF. Read and categorized in seconds.

Review & correct

Fix one payee, fix every occurrence in the batch at once.

Calculate

Lookback period and expense factor, fully editable.

Export the report

A clean PDF with verified monthly income and flagged deposits — ready to sit next to your offer.

Priced in the open — on purpose

See the price and the report before you decide

Limited-time First report

No card required.

Free offer ends Nov 10, 2026

Full categorization & review
One branded PDF report
Any product type — mortgage, SBA, or M&A

For a single deal Pay per report

$80^/report

No commitment, no monthly fee.

Everything in your first free report
Unlimited re-runs on this deal
Atypical deposit flagging

Membership

$50^/report

For advisors and search funds evaluating multiple deals.

Everything in pay-per-report
Lower per-report cost, no cap
Priority document processing

What we don't have yet — said plainly

Earning trust without the brand history

We're not a Big Four or boutique QoE firm. Here's what we do instead.

Data isolation, per workspace

Every deal's documents and calculations stay scoped to the advisor who uploaded them — nothing crosses between accounts.

Two-factor authentication

Optional, and enforced on request, for any account handling financial documents.

Editable, visible assumptions

Add-back factors and lookback periods are shown and editable, never hidden inside a black-box score.

Flagged, not buried, anomalies

Atypical deposits are surfaced for you to ask the seller about — not silently included or excluded.

What this tool is, and isn't: IncomeReady verifies bank deposits against claimed income for informational purposes. It is not a Quality of Earnings report, an audit, or a substitute for advice from a licensed CPA, attorney, or your SBA lender. Always confirm figures independently before relying on them in a purchase decision.

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