Financial packages that get small-business sales through SBA underwriting.

I rebuild a seller's books from source records into a P&L a lender can actually work from. Brokers send me the listings that keep stalling on financials. I send them back closable.

Email me Call 425-444-8338

What a finished package looks like (illustrative figures)

Net income per books, as kept	$84,000
Reconstructed from bank and merchant records	+ 31,500
Owner salary and benefits, documented	+ 92,000
Non-recurring and personal expenses, sourced	+ 18,700
Depreciation and interest	+ 27,300
Seller discretionary earnings	$253,500
Reconciled to filed tax returns, every difference explained	Reconciled

The short version

In 2024 I sold my own business, Wash Me Car Wash in Longview, Washington, to a buyer financed through an SBA loan at KeyBank. I built the financial package the underwriter needed myself: P&L reconstructed from source records, add-backs documented, seller discretionary earnings supported line by line, everything reconciled to the tax returns. The loan closed.

Since then I've looked at other small businesses as a buyer and seen the same problem from the other side: good businesses that can't get financed because the books won't hold up.

That's the work I now do for sellers, on a project basis.

What I do

Reconstruct profit and loss statements from bank records, merchant statements, payroll, and receipts when the bookkeeping isn't there or isn't trustworthy
Identify and document add-backs and seller discretionary earnings so they survive underwriting instead of getting struck
Reconcile the operating financials to the filed tax returns and explain every difference
Deliver a package organized the way an SBA lender's underwriter reads it

I don't broker deals. I do the financial prep so the listing gets to closing.

Why me

I've run the businesses whose books need this.

At one point I owned and operated four businesses at once, about 100 employees: a marina, a boatyard, two restaurants, and a nightclub. Cash-heavy, seasonal, inventory-heavy. I did all the payroll and bookkeeping myself.

I've been on every side of an SBA loan.

I've borrowed from the SBA to finance two of those businesses. I've worked as a commercial lender and loan originator. And I've sold a business to an SBA-financed buyer and built the package that closed it.

I've spent decades on the deal side.

Commercial real estate syndication, residential development, and 25 years running my own real estate brokerage as designated broker.

Who this is for

Business brokers: with a listing a lender kicked back, or a seller whose books you already know won't survive a buyer's due diligence.
SBA lenders: who'd rather send a borderline deal to someone who can fix the financials than decline it.
Sellers: who've been told to "clean up the books" and don't know where to start.

How it works

A short call to understand the business and what records exist.
A fixed-scope proposal, priced per project.
I do the reconstruction and reconciliation and walk you through the result.
You get a package ready for the broker, the buyer, and the lender.

Get in touch

eileen@eileentefft.com 425-444-8338 linkedin.com/in/eileentefft Vancouver, WA · Portland metro