Every add-back, either sourced or flagged.
DiliPilot takes a seller's tax returns, financial statements, and add-back schedule and returns a reviewed adjusted earnings file for SBA packagers, with a page reference behind every number.
Send us one live dealThis is what comes back.
One page from a sample Adjusted Earnings File. The business is made up and the figures are illustrative. The format is the one you would receive.
Sample file, watermarked. Northbridge Heating and Air is a synthetic business created to show the format, and the figures do not represent a real business or a real transaction.
1The source reference
File, page, and line, next to the number it belongs to. Every figure in the file carries one, or says it has none.
2A flagged add-back
Claimed by the broker, left out of the total, with the reason written underneath and the reviewer's note beside it.
3The reviewer block
A named person, the date they reviewed it, and what they checked. On every page of the file.
The reviewer builds it in a workspace that keeps each figure next to the page it came from. Open a worked example — a synthetic deal, read-only, no sign-in.
The seller sends three years of scanned returns, a P&L that does not tie to them, and an add-back list from a bookkeeper. The lender wants a package in three weeks. Right now that is most of a week of your time.
How it works
Turnaround: Three business days
- 01
Send documents
Tax returns, internal statements, and whatever add-back schedule the seller or broker put together. Scans are fine.
- 02
We spread and reconcile
Three years and the trailing twelve months, line by line, then the filed returns against the internal statements. Where they disagree, both figures stay in the file.
- 03
We flag what is unsupported
Every claimed add-back is tied to a page or it is not in the total. What is left out is still listed, with its amount and the reason.
- 04
A reviewer signs and returns it
You get a PDF and a spreadsheet, with a document inventory, the documents still missing, and the open items.
Why not just put the files into ChatGPT
You can, and for a first read you probably should. The difference shows up when somebody else has to rely on the number.
| Aspect | Files into a chat assistant | DiliPilot |
|---|---|---|
| Who does the arithmetic | The model. Run the same files twice and the totals can come back different. | Code, in whole cents, the same way every time, with the formulas under unit test. |
| Page references | It will give you one. Nothing checks the citation against the page. | File, page, and line, entered by the person who read the page. |
| A claim with nothing behind it | Gets added, because the seller's schedule claimed it and you pasted the schedule in. | Stays out of the total, listed with its amount and the reason it is out. |
| A page it cannot read | Still produces a number, and does not tell you which page it could not read. | The figure is marked no source on file, in the file, where the lender's analyst will see it. |
| Who signs it | Nobody. | A named reviewer, with the date and what they checked. |
| What you hand over | A chat you still have to turn into a document. | A PDF and a spreadsheet, with the missing document list and the open items already written. |
What we do not do
Worth being plain about, because the boundary is the point. A file that claims more than it can support is the thing we are trying to replace.
- We are not a lender. We do not make credit decisions and we do not influence them.
- We are not a CPA firm. This file is not an audit, a review, a compilation, or a quality of earnings report.
- We do not verify the seller's financial information. We show you which page each figure came from, so you can check it.
- We do not replace your accountant, your attorney, or the lender's own review.
- We do not hold a SOC 2 certification, and we will not tell you we do.
- We do not say what any particular lender requires. Each one sets its own list.
Pricing
$350
per deal, one time
One Adjusted Earnings File for one deal, returned in three business days. Not a subscription, and it does not become one.
The file covers three fiscal years and the trailing twelve months, the reconciliation, the add-back bridge, debt service coverage under assumptions you give us, and the list of what is still open.
If you are screening several targets a month rather than packaging one, there is a monthly plan for that. This page is about the one-time file.
Send us one live deal.
One deal you are working now. You will get the file back in three business days and you can judge it against the work you would have done yourself.
Send us one live dealSeller documents go into a workspace behind sign-in, in private storage. Do not attach them to the form and do not email them.
Only the reviewer working your deal opens them. Ask us what we hold on your deal at any point and we will tell you.