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Built for PE firms, corporate development teams, and founders evaluating deals.\n\n## What This Does\n\nGenerates a complete due diligence package:\n- **Quality of Earnings (QoE)** — normalize EBITDA, strip one-time items, identify recurring vs non-recurring revenue\n- **Working Capital Analysis** — NWC trends, peg calculation, seasonal adjustments\n- **Revenue Quality** — customer concentration, churn, cohort analysis, contract backlog\n- **Debt & Liabilities** — hidden obligations, off-balance-sheet items, contingent liabilities\n- **Cash Flow Bridge** — EBITDA to free cash flow conversion, capex requirements\n- **Red Flag Scanner** — 23 common deal-killers ranked by severity\n\n## How to Use\n\nTell your agent: \"Run financial due diligence on [company/deal]\"\n\nProvide what you have:\n- Financial statements (P&L, balance sheet, cash flow) — even partial\n- Revenue breakdown by customer/product\n- Known deal terms (purchase price, structure)\n\nThe agent will generate a structured diligence report with findings, risks, and negotiation points.\n\n## QoE Framework\n\n### EBITDA Normalization Checklist\n| Adjustment Category | Common Items | Direction |\n|---|---|---|\n| Owner compensation | Above/below market salary, personal expenses | +/- |\n| One-time revenue | PPP loans, insurance claims, litigation settlements | - |\n| One-time expenses | Restructuring, M&A costs, natural disaster | + |\n| Related party | Above/below market rent, intercompany charges | +/- |\n| Accounting changes | Revenue recognition timing, reserve adjustments | +/- |\n| Run-rate adjustments | New contracts, lost customers, price changes | +/- |\n\n### Revenue Quality Score (0-100)\n| Factor | Weight | Scoring |\n|---|---|---|\n| Recurring vs one-time | 25% | >80% recurring = 25, >60% = 18, >40% = 12, <40% = 5 |\n| Customer concentration | 20% | Top customer <10% = 20, <20% = 15, <30% = 10, >30% = 3 |\n| Retention rate | 20% | >95% = 20, >90% = 15, >85% = 10, <85% = 5 |\n| Contract backlog | 15% | >12mo coverage = 15, >6mo = 10, >3mo = 6, <3mo = 2 |\n| Growth trajectory | 10% | >30% YoY = 10, >15% = 7, >5% = 4, declining = 1 |\n| Pricing power | 10% | Annual increases + low churn = 10, some = 6, none = 2 |\n\n### Working Capital Peg\n```\nNWC Peg = Average of trailing 12 months normalized NWC\n\nNormalized NWC = Current Assets (excl. cash) - Current Liabilities (excl. debt)\n\nAdjustments:\n- Remove seasonal spikes (use monthly data, not quarterly)\n- Strip one-time receivables/payables\n- Normalize inventory to steady-state\n- Adjust for known post-close changes\n\nIf NWC at close > Peg → Seller receives difference\nIf NWC at close < Peg → Buyer receives difference\n```\n\n## Red Flag Scanner (23 Points)\n\n### Critical (Deal-killers)\n1. Revenue concentration >40% single customer\n2. Declining revenue with no credible turnaround plan\n3. Negative or deteriorating cash conversion (EBITDA to FCF <50%)\n4. Undisclosed litigation or regulatory action\n5. Key person dependency with no succession plan\n6. Material related-party transactions at off-market terms\n7. Unrecorded liabilities (tax, environmental, legal)\n\n### Serious (Price adjustments)\n8. Customer churn accelerating quarter-over-quarter\n9. Gross margin compression >200bps annually\n10. Capex requirements understated (deferred maintenance)\n11. Working capital trends moving against buyer\n12. Aggressive revenue recognition policies\n13. Unusual pre-close transactions (dividends, bonuses)\n14. Technology debt requiring material investment\n15. Regulatory changes threatening core business model\n\n### Notable (Negotiation points)\n16. Management team retention risk\n17. Vendor concentration >30% single supplier\n18. IP ownership gaps or licensing dependencies\n19. Insurance coverage gaps\n20. Environmental liabilities (real estate)\n21. Employee benefit obligations (pension, OPEB)\n22. Tax position optimization opportunities\n23. Integration complexity indicators\n\n## Valuation Sanity Check\n\n### Quick Multiples Reference (2025-2026)\n| Sector | EV/Revenue | EV/EBITDA | Notes |\n|---|---|---|---|\n| SaaS (<$10M ARR) | 4-8x | 15-25x | Higher for >120% NRR |\n| SaaS ($10-50M ARR) | 6-12x | 20-35x | Rule of 40 premium |\n| Professional Services | 1-2x | 8-12x | People-dependent discount |\n| Manufacturing | 0.5-1.5x | 6-10x | Asset-heavy adjustment |\n| Healthcare Services | 1-3x | 10-15x | Regulatory moat premium |\n| Fintech | 5-15x | 20-40x | Wide range, growth-dependent |\n| E-commerce | 1-3x | 10-18x | Brand and margin quality |\n\n### Purchase Price Allocation\n```\nEnterprise Value\n- Net Debt (total debt - cash)\n- Transaction Expenses\n- Working Capital Adjustment (vs Peg)\n+ Earnout (if applicable, risk-adjusted at 50-70% probability)\n= Equity Value to Seller\n```\n\n## Output Format\n\nYour due diligence report should include:\n1. **Executive Summary** — deal overview, key findings, go/no-go recommendation\n2. **Quality of Earnings** — normalized EBITDA bridge with adjustments\n3. **Revenue Analysis** — quality score, concentration, trends\n4. **Working Capital** — NWC peg, seasonal analysis, close estimate\n5. **Cash Flow** — EBITDA to FCF bridge, capex analysis\n6. **Red Flags** — scored findings with severity and $ impact\n7. **Valuation Check** — multiples comparison, sanity test\n8. **Negotiation Points** — specific items for purchase agreement\n\n---\n\nBuilt by [AfrexAI](https://afrexai-cto.github.io/context-packs/) — AI context packs for business operations ($47 each).\n\n**More tools:**\n- [AI Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/) — Find where you're losing money\n- [Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/) — Deploy AI agents in minutes\n- [Full Context Pack Store](https://afrexai-cto.github.io/context-packs/) — 10 industry packs, $47 each\n","readmeExcerpt":"Financial Due Diligence Analyzer Run comprehensive financial due diligence on acquisition targets, investment opportunities, or partnership prospects. 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