Disclosures

Nature of the service

This is an agreed-upon-procedures-style analysis. It is not an audit, review, or compilation under AICPA SSARS or SSAE, and no opinion or assurance is expressed. “Certified” refers to certification against the published Ikigai QoE methodology, not to attestation on financial statements.

The engine detects anomalies; it does not detect all fraud.

Readiness reports

A Readiness QoE does not and cannot satisfy the lender-commissioned requirement under SBA SOP 50 10 8.1. It is pre-flight for the report the lender will order.

SBA

SBA approves no QoE provider and maintains no list of approved providers; no claim of SBA approval or certification is made or implied.

Affiliation and independence

Ikigai QoE is a service of MyIkigai LLC. Its founder is also a licensed washington business broker. Any lender-mandated engagement where an Ikigai-affiliated broker represents either party is declined and referred to a peer provider, with nothing of value exchanged in either direction. Fees are never contingent on closing, price or conclusions. See the independence policy.

Use of language models

We use language models to classify documents and transactions and to draft explanatory prose. No figure in a report is produced by a language model; every number is computed by deterministic code and traceable to its source. Documents are stripped of identifiers before any model sees them, and our model provider's terms prohibit training on the data we send.

Retrade Risk Model

Retrade and close probabilities are produced by an expert-weighted scorecard, not a model fitted to deal outcomes, and are labeled as such in every report.

Sample figures

The sample company, figures and scores on this site are fictional and illustrative.