Acquiror AI resourceshttps://acquiror.ai/resources2026-10-20T00:00:00ZArash SabetThe independent sponsor's software stack in 2026https://acquiror.ai/resources/independent-sponsor-software-stack2026-10-15T00:00:00Z2026-10-20T00:00:00ZWhat an independent sponsor runs a deal on in 2026, from CRM to memo, what each piece costs with the date observed, and where the pieces fail to connect.Quality of Earnings add-backs: what lenders accepthttps://acquiror.ai/resources/qoe-add-backs2026-10-15T00:00:00Z2026-10-20T00:00:00ZThe four categories of Quality of Earnings add-backs, the evidence lenders and QoE analysts accept, the ones they reject and why, with a worked example.SBA 7(a) DSCR requirements after 1 October 2026https://acquiror.ai/resources/sba-7a-acquisitions-after-1-october-20262026-10-15T00:00:00Z2026-10-20T00:00:00ZSOP 50 10 8.1: 1.25:1 for an Initial Acquisition, 1.15:1 for a Business Expansion, and on those types the lender's QoE at a $3M Business Purchase Price.What a Quality of Earnings buys, and who does the resthttps://acquiror.ai/resources/what-a-qoe-buys2026-10-15T00:00:00Z2026-10-20T00:00:00ZWhat a Quality of Earnings, typically $25,000 to $75,000, includes, who does the rest, when the SBA makes the lender order one, and a worked example.The working capital peg: how it moves the price after closehttps://acquiror.ai/resources/working-capital-peg2026-10-15T00:00:00Z2026-10-20T00:00:00ZHow the working capital peg is set from a twelve-month average, what it excludes, and how the closing adjustment moves the price, with a worked example.DSCR for business acquisitions: the formula lenders usehttps://acquiror.ai/resources/dscr-for-business-acquisitions2026-10-13T00:00:00Z2026-10-20T00:00:00ZHow lenders compute DSCR on an acquisition: cash available for debt service, not EBITDA, the 1.25× floor in SOP 50 10 8.1, and a worked SBA 7(a) example.What is CADS? Cash available for debt service, explainedhttps://acquiror.ai/resources/what-is-cads2026-10-13T00:00:00Z2026-10-20T00:00:00ZCADS is EBITDA less maintenance capex, cash taxes, working capital growth and other required outflows: the four deductions, worked through on one deal.What a defensible DCF looks likehttps://acquiror.ai/resources/defensible-dcf2026-08-02T00:00:00Z2026-10-16T00:00:00ZA DCF is easy to build and easy to pick apart. How a sub-$10M buyer builds a growth rate, discount rate, and terminal value that hold up under scrutiny.SDE vs EBITDA: which earnings number should a buyer use?https://acquiror.ai/resources/sde-vs-ebitda2026-07-12T00:00:00Z2026-10-16T00:00:00ZSDE and EBITDA measure different things. Here is how a sub-$10M buyer picks the right one, normalizes owner pay, and avoids applying the wrong multiple.How to value a business: a complete buyer's guidehttps://acquiror.ai/resources/how-to-value-a-business2026-06-18T00:00:00Z2026-10-19T00:00:00ZHow a business is valued: earnings multiples (SDE vs EBITDA), add-backs, sector multiples and DCF, as buyers and lenders use them, with a free calculator.