01
Connect the books
Connect cloud accounting or securely provide a QuickBooks Desktop file. Every recast adjustment stays linked to its source.
Underwriting truth, automated
Verified numbers or nothing.
Start with a preliminary self-reported assessment, then earn a financeability record grounded in the books, bank activity, and tax records an underwriter will trust.
Initial intake is non-sensitive. No bank credentials, EINs, or document uploads.
What Handoff promises
Traceable, never claimed
Every add-back and verified number points back to a connected source, transaction, or record.
A tier you actually earned
Self-Reported, Connected, or IRS-Verified—never a badge that overstates the evidence.
Private until NDA
Read-only, revocable connections and anonymized buyer access protect sensitive seller data.
The three-way tie-out
Discovery is easy. Diligence is where deals break.
Handoff manufactures financeable supply by finding underwriting problems before they become failed transactions.
Built for the SBA acquisition band
- Revenue
- $500K–$5M
- SDE
- $150K–$1M
- Purchase price
- $300K–$3M
02
Tie out the truth
Reconcile accounting revenue against bank deposits and filed tax return revenue, with processor and payroll data where applicable.
Bank deposits
Accounting revenue
Filed tax revenue
03
Fix what blocks financing
See each variance, likely cause, estimated remedy, and an SBA 7(a) financeability score before a buyer starts diligence.
04
Enter the market verified
Cleared businesses receive an anonymized listing, populated data room, and lender-consumable underwriting package.
Cost follows evidence
Start with the facts. Pay to fix and verify.
Exact Readiness, buyer, and lender pricing is scoped to the business and required verification depth. No unearned certainty and no hidden brokerage promise.
Initial assessment
Free
Establish identity, ingest accounting, and generate a preliminary recast and score.
- EIN and entity verification
- Cloud or Desktop accounting intake
- Preliminary recast and financeability score
Readiness Track
Custom program
For owners whose books do not yet clear the bar. Pricing depends on data complexity, connection costs, and the work required to reach re-scoring.
Full bank-to-books tie-out
Ranked deal-killer remediation
Monthly task tracking
Re-score after corrections
Listing verification when qualified
Lender package when qualified
Qualified buyer subscriptions and lender underwriting packages are priced separately. Success fees apply only where legally permissible and cleared by counsel.
Clear answers before the market
Questions owners ask before connecting anything
Know what an underwriter will find first.
Start with a preliminary financeability check. If the numbers diverge, Handoff will name the gap and build the path forward.