Buying a small business?

Know what to ask for before you wire a dollar.

The seller hands you a story — revenue, "adjusted" earnings, add-backs. Diligence is how you replace that story with documents. Probity gives you the exact request list, in the right order, built by a CFO who has done this from the inside.

Get the 123-item request list Free: the first 20 documents

Instant download · Excel + PDF · Free updates for every buyer

Most deal-killers are visible early — if you request the right documents.

Generic checklists are a wall of items copied from corporate M&A. This list is sequenced for how sub-$5M deals actually go:

Tax returns first

The one document set every seller has. Three years of returns support a real multi-year analysis before you ever see their internal books.

Bank deposits vs. reported revenue

The single best lie detector in small-business diligence: does the revenue on the return actually show up as deposits?

The owner-dependence test

Who runs the business when the owner is away — and when did they last take two consecutive weeks off? "Never" is an answer too.

One workbook. The whole request list.

123 items across 14 categories, each with a one-line explanation of why it matters — so a missing or evasive answer tells you something.

Start free: the first 20 documents.

A one-page checklist of the 20 documents to request first, each with why it matters. They surface the deal-killers that show up most often — before you spend real money on diligence.

Download the free checklist
“Every add-back without a document is purchase price you’re donating. Every unverified deposit is revenue you’re taking on faith. The list exists so you never have to wonder what you forgot to ask.”
— the CFO behind Probity · buy-side diligence and a full SBA 7(a) underwriting cycle, from the inside