Financial due diligence and deal strategy
Buying, lending or selling? Know what the business really earns, what cash it needs, and what could change the deal. Moneta checks the numbers so you can make your next move with proof.
Financial due diligence, Quality of Earnings and deal strategy. On both sides of the sale.
Book a call and we’ll send you a sample before we meet, so you can review the work and bring your questions.
01Services
Know what you are buying, what you are lending against, or what you can support in a sale. We connect the financial review to the decisions you need to make.
Financial due diligence and QoE
Financial due diligence (FDD) checks the deal’s numbers. Quality of Earnings (QoE) tests which earnings you can rely on. We review sales, costs, customer risks and changes to profit. You get a short summary, a full report and detailed financials, with the records behind the findings.
Cash, debt and working capital
Profit does not tell you what is in the bank. We compare the books with bank records and review unpaid customer bills, supplier bills, stock and debt. Working capital is the money tied up in day-to-day trading. See what cash must stay in the business and which bills need to be settled.
Buy-side deal strategy
Use the findings to decide what to pay, what to ask for and what needs an answer before you sign. We show how earnings gaps, future costs and cash needs could affect your offer. Go into talks with clear questions and the records to back them up.
Sell-side deal strategy
Find weak points in the numbers before a buyer does. Build a clear earnings story, support each proposed change and address gaps in the records. Give buyers and lenders work they can check, so talks about price and terms start with facts.
02Who we work with
Work for your deal, or under your firm’s own brand. Clear findings your team can check and use.
Check whether earnings can support the loan payments. See the cash checks, changes to profit and open questions your credit team needs to review. Give your committee numbers backed by records.
Keep the deal moving and spend more time with your client. We do the financial review and help you prepare for talks about price and terms, whether your client is buying or selling. Use our work under your firm’s brand.
Take on more FDD and QoE work without building every report from scratch. Use Moneta as the engine behind your service, under your own brand. Your team reviews the work and keeps the client relationship.
For holding companies buying with their own money, search funds and independent sponsors. Check the earnings, plan the cash you need after closing and see what could change your offer before you commit.
03Why Moneta
A deal needs more than a profit figure. You need to know how it was built, what could change it, and what that means for your next move. We check the detail and explain it in plain words.
We test the seller’s numbers against the books, bank records and tax returns. We check costs added back to earnings and the cost of replacing the owner. You see what the records support and what is still in doubt.
Each finding links to its source. Each change to earnings shows its amount and the reason for it. Your team can check the work and use it with a seller, buyer or credit committee.
See which issues could change the price, the terms or your choice to proceed. We show the questions to ask, the risks to settle and the cash needs to plan for before closing.
Start with your deadline. We agree the scope, files needed and timing before work starts. Our process helps turn a data room into clear findings in days, with a call to walk through the work.
04From a real deal
One home-services business. A review of the earnings and the costs the buyer would need to cover after the sale.
| Home-services business | Adjusted EBITDA |
|---|---|
| Seller’s case | $1,480,000 |
| After our review | $1,214,000 |
| Cautious case | $800,000 |
From a real engagement, with names and details removed. Adjusted EBITDA is earnings before interest, tax, depreciation and amortization. It is not cash left after loan payments.
$266k
In one home-services deal, the seller claimed $1.48 million in yearly earnings. Our review supported $1.214 million. The cautious case was $800,000. A gap like this could change the price you are willing to pay.
$105k
In the same deal, we allowed $105,000 a year for someone to do the owner’s job. The owner may leave after the sale. The cost of doing that work stays. Your offer needs to account for it.
The $266k is an earnings gap found in the review. It is not a price cut achieved.
05How it works
Book a call. We send a sample before we meet. Tell us about the deal and when you need to decide.
We agree the scope and timing. Share a data room link with the books, bank and card statements, tax returns and other deal records. We list anything missing.
Get the summary, full report and detailed financials. We walk through what the records support, what needs an answer and what it means for the deal.
06The people behind the work
Moneta brings deal experience and a system built to check the numbers together. We help lenders, buyers and advisers see the risks, follow the proof and decide what to do next.
Co-founder & CEO
Reggie brings 30 years of experience in business deals, healthcare and investment. He has held board roles across nine ventures, with three successful exits. He helps connect the findings to the decisions buyers, lenders and sellers need to make.
Co-founder, President & Chief Product Officer
Ty built the Moneta system, from reading deal files to checking the numbers and producing the reports. His work combines software, AI and financial economics. He focuses on making the detail easy to follow and the findings easy to use.
Talk through your deal
Book a 30-minute call. We’ll send you a sample before we meet so you can review the work. Then we can talk through your deal, deadline or how Moneta can work under your firm’s brand.
Book a call