BETA
Vannessa
THE VANTAGE ASSISTANT
Vann ties a listing's books to the bank statements and tax returns the seller supplies, and every diligence question points back at the row that raised it, so the hard questions come up before a buyer asks them.
Change-of-ownership loans approved each month, nationally. Fiscal 2025 closed at 6,868 loans, up from 5,562 in fiscal 2024. November through June of fiscal 2026 came in at 4,420, against 4,566 in the same months a year earlier.
Vantage sums of SBA 7(a) loan-level data. Loans coded change of ownership, cancelled loans excluded, by approval month, federal fiscal years running October to September. The file carries no change-of-ownership approvals in October 2025. SBA 7(a) FOIA file as of June 30, 2026, retrieved October 1, 2026.
Published turnaround for a full quality of earnings report at ten providers.
Published turnaround for each provider's full quality of earnings tier, from the providers' own websites, retrieved October 1, 2026. Providers whose full tier states no turnaround are not shown. Clocks start where each provider says, four on receipt of documents or data, one from engagement and five unstated.
Vann's row covers nine timed runs on sample books, each from prepared trial balance, general ledger, bank, payroll and tax inputs to a gated draft workbook. They took 211 to 760 seconds, printed rounded up to about 4 to 13 minutes. The fastest, 99.52 seconds to build and 111.39 seconds to gate, is the one run with zero gate failures, 3 warnings and 7 checks skipped. The other eight ran on earlier builds and each ended with gate failures. That is machine time for a draft. It leaves out collecting documents, analyst review, the written report and the workstreams the draft marks not performed, so it is not a full quality of earnings turnaround. Minutes are too thin to draw against weeks, so the row is marked at the left edge rather than drawn as a bar. Provider turnarounds are each provider's own published clock, as stated above.
Vann does it faster and for less.
The buyer's team goes into the books and finds figures the records can't support. The process slows while somebody reconstructs the answer, and the price can move.
Cash-basis and hybrid books are common in businesses that never needed a monthly close.
Depending on which side of your book the deal sits on. Both come off Vann, in the same kind of package.
Run before the listing goes to market, or the moment a letter of intent puts a clock on it. The seller sees the hard questions first, while the records are fresh.
For the buyer on the other end, a lender underwriting the financing, or your own buy-side mandates. Adjusted EBITDA with each add-back sourced, red flags with the source account attached, and a question set sized against what the work found.
One add-back, two versions. The item is the same in both columns and so is the seller. The difference is whether the evidence was assembled before the buyer's team asked for it or after.
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Referral terms are in writing. Vantage is the numbers seat on your bench.
Vantage does the numbers. The listing, the buyers, the price and the fee stay yours, and every engagement is scoped in writing.
A gap goes to the client as a difference in the records, with the evidence beside it.
Bring the books, the bank statements and the returns. Vann ties them out before a buyer asks.
Vannessa
THE VANTAGE ASSISTANT