Sample Proof of Cash (from $299)
Download PDFThe full report, page by page, for a fictional business. Standard order, with preview pages of the Plus and SBA-style add-ins at the end. Ordered after an LOI, once bank statements and ledger detail are in.
Cover and conclusion
Harbor Mechanical LLC · Jan–Jun 2026 · Standard · 1 account (operating checking ending 4411)
Cash ties in 5 of 6 months. One March deposit of $6,500 has no ledger entry and no known source. One April check is a timing item with no earnings impact.
| Measure | Amount ($) |
|---|---|
| Total bank receipts | 1,155,300 |
| Total bank disbursements | 1,081,750 |
| Unexplained receipt gap | 6,500 |
| Unexplained disbursement gap | 0 |
| Amount affecting revenue / EBITDA / NWC | 6,500 |
What to do next
- Ask the seller for the deposit slip and source of the Mar 14 deposit ($6,500).
- If it is customer revenue, confirm it was reported on the 2026 return. If it is an owner loan, it belongs in debt, not revenue.
- No change to the screen's earnings view is needed for the April timing item.
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Scope, documents used and limits
| Document | Period | Pages |
|---|---|---|
| Bank statements, checking ending 4411 | Jan–Jun 2026 | 24 |
| General ledger detail, account 1010 Cash | Jan–Jun 2026 | 61 |
| Monthly P&L | Jan–Jun 2026 | 6 |
| Check register | Apr–May 2026 | 4 |
Method. For each month we tie beginning cash, receipts, disbursements and ending cash between the bank and the ledger (a four-column proof). Every difference is traced to a dated bank line and ledger entry. No "other" or "to balance" lines are allowed.
Limits. We rely on the documents provided. We did not contact the bank, confirm balances, or test whether ledger entries are coded to the right accounts. Other accounts held by the seller are out of scope for Standard.
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Monthly summary
| Month | Bank receipts | Book receipts | Bank disb. | Book disb. | Unexplained |
|---|---|---|---|---|---|
| January | 182,400 | 182,400 | 171,250 | 171,250 | 0 |
| February | 176,900 | 176,900 | 168,400 | 168,400 | 0 |
| March | 201,300 | 194,800 | 183,900 | 183,900 | 6,500 |
| April | 188,700 | 188,700 | 179,200 | 175,600 | 0 |
| May | 195,200 | 195,200 | 186,300 | 189,900 | 0 |
| June | 210,800 | 210,800 | 192,700 | 192,700 | 0 |
| Total | 1,155,300 | 1,148,800 | 1,081,750 | 1,081,750 | 6,500 |
April and May book disbursements differ from the bank by $3,600 in opposite directions. That is one check recorded a few days late, so it nets to zero.
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Four-column proof — January to March
January — ties, no bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 52,150 | 182,400 | 171,250 | 63,300 |
| Per general ledger | 52,150 | 182,400 | 171,250 | 63,300 |
| Difference | 0 | 0 | 0 | 0 |
| Unexplained difference | 0 | 0 | 0 | 0 |
February — ties, no bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 63,300 | 176,900 | 168,400 | 71,800 |
| Per general ledger | 63,300 | 176,900 | 168,400 | 71,800 |
| Difference | 0 | 0 | 0 | 0 |
| Unexplained difference | 0 | 0 | 0 | 0 |
March — ties after bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 71,800 | 201,300 | 183,900 | 89,200 |
| Per general ledger | 71,800 | 194,800 | 183,900 | 82,700 |
| Difference | 0 | 6,500 | 0 | 6,500 |
| Deposit Mar 14 not in ledger (unexplained source) (Bank p.3 ln 22) | 0 | 6,500 | 0 | 6,500 |
| Unexplained difference | 0 | 0 | 0 | 0 |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Four-column proof — April to June
April — ties after bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 89,200 | 188,700 | 179,200 | 98,700 |
| Per general ledger | 82,700 | 188,700 | 175,600 | 95,800 |
| Difference | 6,500 | 0 | 3,600 | 2,900 |
| Carried forward from prior months | 6,500 | 0 | 0 | 6,500 |
| Check #2281 cleared Apr 30, booked in May (Bank p.4 ln 41) | 0 | 0 | 3,600 | (3,600) |
| Unexplained difference | 0 | 0 | 0 | 0 |
May — ties after bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 98,700 | 195,200 | 186,300 | 107,600 |
| Per general ledger | 95,800 | 195,200 | 189,900 | 101,100 |
| Difference | 2,900 | 0 | (3,600) | 6,500 |
| Carried forward from prior months | 2,900 | 0 | 0 | 2,900 |
| Check #2281 booked May 3, cleared in April (GL 5110 May 3) | 0 | 0 | (3,600) | 3,600 |
| Unexplained difference | 0 | 0 | 0 | 0 |
June — ties, no bridge items
| Beginning | Receipts | Disbursements | Ending | |
|---|---|---|---|---|
| Per bank statement | 107,600 | 210,800 | 192,700 | 125,700 |
| Per general ledger | 101,100 | 210,800 | 192,700 | 119,200 |
| Difference | 6,500 | 0 | 0 | 6,500 |
| Carried forward from prior months | 6,500 | 0 | 0 | 6,500 |
| Unexplained difference | 0 | 0 | 0 | 0 |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Month-end bank reconciliations
| Month end | Statement balance | Ledger balance | Identified items | Unreconciled |
|---|---|---|---|---|
| January | 63,300 | 63,300 | 0 | 0 |
| February | 71,800 | 71,800 | 0 | 0 |
| March | 89,200 | 82,700 | 6,500 | 0 |
| April | 98,700 | 95,800 | 2,900 | 0 |
| May | 107,600 | 101,100 | 6,500 | 0 |
| June | 125,700 | 119,200 | 6,500 | 0 |
Identified items: the unrecorded Mar 14 deposit ($6,500) from March on, plus check #2281 ($3,600) at April month end only. The ledger was never reconciled to the bank for March onward.
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Receipts and disbursements breakdown
| Receipts by source | Amount ($) | % of total |
|---|---|---|
| Customer deposits (matched to invoices) | 1,088,800 | 94.2% |
| Unexplained deposit, Mar 14 | 6,500 | 0.6% |
| Transfers from savings | 30,000 | 2.6% |
| Line of credit draw | 18,000 | 1.6% |
| Owner contributions | 12,000 | 1.0% |
| Total receipts | 1,155,300 | 100% |
| Disbursements by type | Amount ($) | % of total |
|---|---|---|
| Payroll and payroll taxes | 486,000 | 44.9% |
| Materials and subcontractors | 318,400 | 29.4% |
| Other operating costs | 87,750 | 8.1% |
| Owner draws | 72,000 | 6.7% |
| Debt service | 63,600 | 5.9% |
| Rent | 54,000 | 5.0% |
| Total disbursements | 1,081,750 | 100% |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Exception log and revenue tie
| Date | Item | Reference | Type | Note |
|---|---|---|---|---|
| Mar 14 | Deposit $6,500 with no ledger entry | Bank p.3 ln 22 | Unexplained | Possible unrecorded revenue or owner loan. Ask for deposit support. |
| Apr 30 | Check #2281 $3,600 cleared, not in ledger | Bank p.4 ln 41 | Timing | Booked May 3. No earnings impact. |
| Feb 9 | Transfer from savings $30,000 | Bank p.2 ln 8 | Explained | Excluded from revenue. Not a sale. |
| May 20 | LOC draw $18,000 | Bank p.5 ln 17 | Explained | Debt, not revenue. Confirm balance at closing. |
Revenue tie
| Amount ($) | |
|---|---|
| Total bank receipts | 1,155,300 |
| Less transfers and loan proceeds | (48,000) |
| Less owner contributions | (12,000) |
| Cash revenue | 1,095,300 |
| Revenue per P&L | 1,088,800 |
| Difference (the March deposit) | 6,500 |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Plus preview — transfer schedule across accounts
Included with Plus ($400), up to 6 accounts. Shows every transfer between the seller's accounts matched on both sides, so money moved between accounts is never counted as revenue twice.
| Date | From | To | Out ($) | In ($) | Matched |
|---|---|---|---|---|---|
| Feb 9 | Savings 7720 | Checking 4411 | 30,000 | 30,000 | Yes |
| Apr 2 | Checking 4411 | Payroll 3390 | 81,000 | 81,000 | Yes |
| Jun 1 | Checking 4411 | Owner personal | 12,000 | 0 | Outside scope — owner draw |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
SBA-style preview — book-to-tax-return tie
Included with SBA-style ($600). Ties ledger revenue to the filed returns, the way an SBA lender will check it.
| 2024 | 2025 | |
|---|---|---|
| Revenue per books | 2,018,400 | 2,140,500 |
| Gross receipts per return (Form 1120-S, line 1a) | 2,018,400 | 2,131,900 |
| Difference | 0 | 8,600 |
| Explained: December deposits booked in January | 0 | 8,600 |
| Unexplained | 0 | 0 |
Proof of Cash · Not a Quality of Earnings report, audit or review. Fictional business, for illustration only.
This LiteQoE Packet is a software screening tool that reflects our opinion, based only on documents and answers the parties supplied. Grades, verdicts, and figures are recommendations, not facts or guarantees. LiteQoE is not a CPA firm, accountant, financial adviser, M&A advisor, business broker, appraiser, attorney, or lender. It is not an audit, review, compilation, forecast, appraisal, legal opinion, tax opinion, or lender-ready Quality of Earnings report. Do not buy or finance a business on this packet alone. Remedy against LiteQoE is limited to the fee paid.
Know before you buy.
Proof of Cash is offered after your screen. Standard $299 · Plus $400 · SBA-style $600.