Screen the listing before the lender does.
Most of your buyer pool borrows. A listing that a financed buyer can actually close sells faster and falls out of escrow less. We run a loanability screen on your listing before it goes live, and you get the read in writing.
Financed deals do not die at the offer. They die in underwriting.
You know the pattern. The listing draws offers, the buyer signs, and three months later the lender finds the thing nobody checked. The buyer retrades or walks, the escrow collapses, and the listing goes back to market with questions attached.
A loanability screen moves that discovery to the front. Before the listing goes live, we read it the way a buyer's SBA lender will. It is the same read we run for buyers before they sign an LOI. When a listing screens well, you can tell buyers it has been screened by ClarIQ Advisory. When it does not, the seller gets a fix list before the market sees the problem. Either way, you learn the answer before a buyer's underwriter does.
The checks a buyer's lender runs. Run first.
- Debt coverage at the asking price. Whether cash flow covers a buyer's loan payments with room to spare at the number on the listing.
- Addback quality. Whether claimed addbacks are documented well enough to survive a quality of earnings review, or will get deleted in diligence.
- Books condition. Whether the statements reconcile and tie to the tax returns, because the underwriter believes the returns.
- Customer concentration. Whether one account is big enough to make a lender nervous.
- Owner dependence. Whether the business a buyer is financing leaves in the seller's car on closing day.
- Transferability. Whether leases, licenses, and key contracts actually move to a new owner.
Send the basics. Get it in writing.
Send the listing basics
Financials, asking price, and whatever a lender would eventually see. Rough is fine. No polish required.
Get the written screen
A short summary: where the listing clears, where a lender would push back, and what the seller can fix before going live. Written to be shared with the seller as is.
Use it either way
Screens well: tell buyers the listing has been screened by ClarIQ Advisory. Screens poorly: the seller gets the fix list while the problem is still private.
The fastest way to start. Skip the form and forward the listing package straight from your inbox: Forward the listing to hello@clariqadvisory.com. No form needed, and the reply comes back with the written screen.
Timing. Screens come back fast. Listings move on a clock, so if yours is tight, say so and we work to the deal.
Cost. Scoped on a short call. The fee depends on the size of the listing and the state of the books. Fifteen minutes and you have a quote.
Where we stand. ClarIQ Advisory is not a lender and not a business broker. We do not list businesses and we do not compete for your seller. We read the numbers, put the read in writing, and hand it back to you.
Every screen lands on your private brokerage page.
Brokerages on the screening program get a private page of their own: every listing we have screened for you, the read, the top flag, and the written summary, updated with each screen. Not public, not indexed, just your file in one place. See a sample screen page with fictional listings.
Put the quiz in front of your sellers.
Our loanable quiz lets your sellers grade their own business in two minutes, no call and no commitment. Add your brokerage name to the link and you get credited on every lead that comes through it.
<a href="https://clariqadvisory.com/sba/loanable-quiz/?b=YourBrokerageName">How loanable is your business? Take the 2-minute self-check</a>Replace YourBrokerageName with the name of your brokerage. Letters, numbers, spaces, and dashes all work.
Send us your next listing before it goes live.
A short call scopes the screen and the fee. Or leave your details below and a real person replies by email.
Book a CallConfidential on both sides. hello@clariqadvisory.com