Buying or Selling a Business with
SBA Financing?
New SBA requirements make independent Quality of Earnings analysis an important part of qualifying business transactions.
Sourced Bookkeeping & Consulting helps lenders navigate these requirements with transaction-focused financial analysis, industry-specific expertise, and efficient report delivery.
Who Is Affected by the New SBA Requirements?
The updated SBA requirements apply to qualifying transactions involving:
Initial Business Acquisitions
Initial business acquisitions with a purchase price of $3 million or greater.
Qualifying Business Expansions
Qualifying business expansions with a purchase price of $3 million or greater.
Small Businesses Nationwide
The requirements affect qualifying transactions involving small businesses throughout the United States.
For lenders working with these transactions, understanding the financial due diligence requirements early can help keep the lending process on track.
WHAT DO THE NEW REQUIREMENTS MEAN FOR SBA LENDERS?
Independent Quality of Earnings Reports
An independent Quality of Earnings report is required for qualifying transactions under the updated SBA requirements. The report provides financial analysis to help evaluate a business’s financial performance as part of the transaction.
Impact on SBA Loan Access
Financial due diligence is an important consideration when evaluating qualifying transactions. Identifying reporting requirements early can help lenders plan for the analysis needed to move a transaction forward.
Effective October 1, 2026
The updated SBA Standard Operating Procedure, SOP 50 10 8.1, takes effect on October 1, 2026. Lenders working with qualifying transactions should be prepared to address the applicable reporting requirements.
Built by a Home Care Agency Owner
Sourced was founded by Brad Wolfe, a home care agency owner.
Through his experience operating a home care agency, Brad understands firsthand how complex billing, caregiver payroll, and financial reporting can become as agencies grow.
That real-world perspective shapes how Sourced supports agencies today. Our team works exclusively with in-home care agencies and franchise systems, helping owners simplify financial operations while maintaining the accuracy and reporting visibility needed to run a successful agency.
Because Sourced was built by someone who has operated an agency himself, our services are designed around the actual financial challenges home care owners face every day.
Financial Support Designed for In-Home Care Agencies
The financial operations of an in-home care agency are far more complex than a typical business.
Agency owners must manage:
Caregiver scheduling and time tracking
Multiple caregiver pay rates
Client billing and reimbursements
Medicaid and third-party billing programs
Care management platforms such as WellSky
Payroll for growing teams of caregivers
Every piece of this system must work together accurately.
Sourced specializes in supporting home care agencies and franchise systems, helping agency owners maintain financial systems that are reliable, accurate, and aligned with how their agencies actually operate.
Our team ensures your home care bookkeeping, billing, payroll, and financial reporting stay organized, accurate, and easy to understand.
Built for Home Care Franchise Owners
Many of the agencies we support operate within national home care franchise systems, where financial reporting and operational expectations can differ from independent agencies.
Sourced works with agencies across brands including:
Many of these organizations are growing agencies with 20–200 caregivers, often generating between $1M and $20M in annual revenue, where accurate billing, payroll alignment, and clear financial reporting become critical to scaling successfully.
Our team understands the financial structure behind franchise-based agencies, including royalty tracking, franchise reporting requirements, and performance benchmarking across locations.
This experience allows us to help franchise owners maintain organized financial systems, consistent reporting, and clear visibility into their agency’s performance.
QuickBooks Clean-Up & Catch-Up Bookkeeping
As home care agencies grow, financial systems often evolve faster than the bookkeeping that supports them. Over time, transactions may go unreconciled, reports stop matching operational systems, and financial data becomes difficult to trust.
Sourced helps in-home care agencies clean up and realign their financial records, ensuring that QuickBooks Online accurately reflects the activity happening across billing, payroll, and care management platforms.
Our team regularly works with agencies to reconcile systems such as WellSky, AxisCare, ClearCare, and other care management platforms with QuickBooks Online, so financial reporting stays consistent and reliable.
Common cleanup challenges we help agencies resolve include:
✔ QuickBooks balances not matching billing or scheduling systems
✔ Unreconciled transactions and inaccurate financial reports
✔ Payroll data not aligning with caregiver hours
✔ Historical bookkeeping that needs to be corrected or brought up to date
Once your books are clean and your systems are aligned, agency owners gain financial reports they can trust and a clearer view of their agency’s performance.
and other care management platforms!
Billing & Payroll Support Built for In-Home Care Operations
Payroll and billing in the home care industry come with unique challenges.
Caregiver hours vary by client, pay rates can differ by role or service type, and billing programs often require strict documentation and accuracy.
Sourced provides billing and payroll support designed specifically for home care agencies, including:
Caregiver payroll processing
VA billing support
Long-term care insurance billing
Medicaid billing coordination
Client invoicing and payment tracking
Our team works alongside your care management and accounting systems to make sure everything stays aligned.
This allows agency owners to:
Focus more time on agency growth and care quality
Process caregiver payroll confidently
Maintain accurate client billing
Avoid reconciliation issues between systems
Reduce administrative workload
Financial Dashboards Built for Real Business Decisions
Most agency owners don’t need more reports.
They need clear insight into how their agency is performing.
Sourced provides home care financial reporting and dashboards designed specifically for in-home care agencies, giving owners visibility into the metrics that matter most.
Our dashboards track important home care KPIs, helping agency owners monitor financial performance and make informed operational decisions.
Dashboard insights can include:
✔️ Revenue trends and service performance
✔️ Caregiver payroll and labor costs
✔️ Cash flow visibility
✔️ Profitability by location or program
✔️ Key operational metrics that impact agency growth
Because our dashboards integrate directly with QuickBooks Online and your financial systems, your reporting stays connected, accurate, and up to date.
Instead of digging through spreadsheets, agency owners gain clear financial visibility that supports confident decision-making.
Why In-Home Care Agencies Choose Sourced
In-home care agencies choose Sourced because we understand both finance and the operational realities of the home care industry.
Our clients trust us because we provide:
Industry-Specific Expertise
Experience supporting in-home care agencies and franchise systems across the country.
Accurate Billing & Payroll Processes
Reliable financial operations that align with caregiver schedules and agency workflows.
Clear Financial Dashboards
Visual reporting that makes agency performance easy to understand.
Connected Financial Systems
Integration with QuickBooks Online and care management platforms.
A Dedicated Financial Team
Personalized support from professionals who understand the home care industry.
Trusted by Home Care Agencies Nationwide
Supporting 175+ agencies across the United States and managing over $400M in annual billing, including private pay, long-term care insurance, and VA programs.
With Sourced, you gain a financial partner focused on helping your agency operate efficiently and grow confidently.
How We Support Your Agency:
Book a Free Discovery Call
We’ll learn about your billing systems, payroll process, and team structure, including support for in-home care franchises.
Get a Custom Billing & Payroll Plan
Choose individual billing or payroll services, or combine them for complete financial efficiency.
Grow with Confidence
With accurate, on-time billing and payroll, your business runs smoothly and your team gets paid without stress.
Home Care Accounting Services Built for Growing Agencies
Sourced provides specialized home care accounting services designed for in-home care agencies and franchise systems. Our team supports agencies with the financial operations that keep their business running smoothly.
Our services include:
Home care bookkeeping services that keep financial records accurate and up to date
Caregiver payroll processing aligned with client hours and scheduling systems
Home care billing services including private pay, VA billing, and long-term care insurance billing
Medicaid billing coordination and reconciliation with accounting records
Home care financial reporting and dashboards that track key agency performance metrics
Because our team works exclusively with in-home care agencies, we understand the financial workflows behind caregiver staffing, payer mix, and billing cycles.
Instead of generic accounting support, agencies gain financial systems built specifically for the home care industry.
Let’s Simplify Your Agency’s Financial Operations
Your time is too valuable to spend chasing invoices, fixing payroll errors, or trying to interpret confusing reports.
Sourced helps in-home care agencies and franchise owners streamline their financial operations, giving them the clarity and confidence needed to lead their teams and grow their agencies.
If you're ready to simplify home care bookkeeping, caregiver payroll, billing, and financial reporting, we’d love to talk.
Schedule a conversation with our team today.