I'm evaluating the acquisition of an established tax and insurance services business (~$2M revenue) and am looking for an experienced CPA, fractional CFO, QoE professional, former acquisition lender, or transaction advisor to provide an independent pre-LOI financial review and help structure the LOI. The main objective is to determine sustainable post-closing EBITDA/SDE and make sure the offer is based on defensible economics rather than seller add-backs. Key areas: • Reconcile 2023–2026 financial performance and identify trends • Normalize SDE / EBITDA • Review employee payroll and terminated-employee add-backs • Determine realistic owner replacement cost • Assess whether recent staffing reductions represent permanent savings or seasonal/replacement labor • Review working capital and balance-sheet items • Estimate conventional debt capacity / DSCR • Identify major financial diligence issues • Recommend purchase price and transaction structure • Help prepare or review the LOI, including purchase price, seller financing, holdbacks/earn-outs, financing contingency, diligence protections, employee-retention conditions, and other key economic terms This is a focused pre-LOI engagement, not a full QoE. A full QoE and legal review would be performed after LOI. I have the CIM, detailed historical financials, 2026 YTD P&L and balance sheet, employee census, and other supporting information. Budget: approximately $1,000–$1,500 fixed for the initial review and LOI support, depending on experience and scope. Timing is important. I am actively working toward an LOI and would like the work completed as soon as possible. Please include your earliest availability and expected turnaround time. Ideally looking for someone with hands-on lower-middle-market / SMB buy-side acquisition experience who can think from both the buyer and lender perspective. Please DM me with relevant experience, examples of similar transactions, expected turnaround, and fee.