Our financial due diligence services uncover potential risks and ensure you’re making informed decisions during high-stakes transactions. Whether you’re a seller preparing for acquisitions or a buyer verifying a deal, we provide accurate, confidential financial assessments.
Before you sign, you need clarity. Our financial due diligence services uncover hidden risks, validate financial representations, and give buyers, sellers, and investors the confidence to move forward — or walk away.
Mergers, acquisitions, and business sales carry significant financial risk. Numbers on a balance sheet don’t always tell the full story — revenue can be inflated, liabilities understated, and working capital misrepresented. Financial due diligence exists to close that gap.
At S&J Financial Services, our due diligence reviews go beyond surface-level analysis. We examine the quality and sustainability of earnings, assess working capital norms, identify off-balance-sheet risks, and provide a clear, unbiased picture of a company’s true financial health.
Whether you’re acquiring a business, preparing your company for sale, or evaluating an investment, our findings help you negotiate with confidence and avoid costly surprises after close.
We work with business owners, private equity groups, investors, and lenders nationwide — delivering confidential, accurate, and actionable financial assessments on your timeline.
Our team brings deep experience in accounting, business valuation, and transaction advisory. We communicate findings in clear, plain language — not just financial jargon — so every stakeholder understands the implications before the deal closes.
We tailor each engagement to your transaction. Here’s what a typical due diligence review includes.
The most critical component of any due diligence engagement. We analyze whether reported earnings are sustainable, recurring, and accurately stated.
Working capital disputes are among the most common post-close conflicts. We define a fair, defensible working capital peg and assess whether the business has what it needs to operate day one post-close.
Our team is trained to spot what’s hidden. We go beyond the financials to surface risks that could affect value, deal structure, or future performance.
We serve both sides of the transaction table with equal expertise and objectivity.
A structured, efficient process designed to deliver findings on your transaction timeline.
We begin with a confidential call to understand your transaction — what you’re acquiring or selling, the deal size, your timeline, and your specific concerns. From there, we define the scope of work and provide a clear engagement letter with timeline and fees.
We send a comprehensive document request list covering financial statements, tax returns, bank statements, contracts, payroll records, and other relevant materials. Our team works efficiently within your data room or through a secure file-sharing platform.
We perform a detailed analysis of all financial data, cross-referencing statements against source documents. When needed, we conduct management interviews to clarify accounting policies, business drivers, and any unusual transactions. This is where most red flags surface.
We deliver a written report summarizing our findings, normalized financials, and key risk factors — organized by priority. We then walk you through the report in a live debrief call, so you understand every finding and its potential impact on deal value or structure.
Our work doesn’t stop at report delivery. We’re available to answer follow-up questions from your legal counsel, lenders, or investors — and can assist with purchase price adjustment negotiations, representations and warranties discussions, or post-close integration planning.
Our due diligence services are structured to address the unique needs of buyers, sellers, and investors at every stage of a transaction.
You’re making a significant financial commitment. Our buy-side due diligence ensures you’re investing in what the seller says you are — and that you understand the risks before you’re legally bound.
Sellers who complete a sell-side QoE review before going to market experience smoother processes, fewer surprises, and stronger deal outcomes. Get ahead of the buyer’s questions before they ask them.
Answers to the questions we hear most often about financial due diligence.
Most engagements are completed in 3–6 weeks from the time we receive complete documentation. Complex transactions, multi-entity businesses, or those with incomplete records may take longer. We’ll provide a realistic timeline during our initial consultation based on your specific situation.
We work on transactions ranging from small business acquisitions under $1 million to mid-market deals in the $50M+ range. Our process scales to fit the complexity and size of your deal, and our fees reflect that accordingly.
Absolutely. Every engagement is governed by a confidentiality agreement. We use secure, encrypted document sharing and our team is bound by strict professional confidentiality standards. We never share client information with third parties without written authorization.
Yes, regularly. We often work alongside legal counsel, investment bankers, and business brokers as part of a broader deal team. Our reports are structured to be useful to attorneys, lenders, and other advisors — not just financial professionals.
A financial audit is backward-looking and designed to verify that statements comply with accounting standards. A Quality of Earnings review is transaction-focused — it normalizes earnings, identifies one-time items, and assesses sustainability of cash flows. QoE reviews are specifically built to support M&A decisions and are a separate engagement from an audit.
Yes. Many small and mid-sized businesses operate with compiled or reviewed financial statements, or even internal bookkeeping only. We work with all levels of financial documentation and adjust our procedures accordingly. Unaudited financials often require more source document verification, which we’re experienced in handling.
Don’t let surprises derail your deal. Our team is ready to provide a confidential assessment and walk you through what to expect.
Schedule a Free Consultation: Call 1-800-517-4515
