Quality of Earnings To Bind RWI Coverage
For buyers and sellers pursuing representations and warranties insurance. OAG delivers financial due diligence calibrated to the standards underwriters apply, on the timeline binding requires.
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Quality of earnings built to satisfy RWI underwriters and bind coverage.
For buyers and sellers pursuing Representations and Warranties Insurance (RWI), OAG delivers financial due diligence calibrated to the standards underwriters actually apply, on the timeline binding requires.
RWI changes what a QoE has to do
Underwriter-Ready EBITDA
Documented support for every adjustment, with workpapers structured for direct underwriter review.
Working capital peg analysis
A defensible peg built on a normalized 12-month average, accounting for seasonality and non-recurring items.
Revenue Testing Built To Bind
Sampling and procedures scoped to the underwriter's expectations for the deal size and risk profile.
Direct Underwriter Participation
OAG joins the underwriter call and responds to questions on methodology and findings directly.
Who Is This For?
Buyers Under RWI:
Acquirers who need a QoE that holds up under underwriting scrutiny, keeps exclusions narrow, and gets coverage bound on the deal timeline.
Sellers In RWI-Backed Processes:
Owners and management running a sale who want a sell-side QoE the underwriter accepts, reducing re-trade risk and accelerating the path to bind.
Private Equity And Independent Sponsors:
Firms whose return profile depends on coverage binding cleanly. A QoE that fails underwriting standards forces last-minute scoping changes or coverage gaps that change deal economics.
From Kickoff To Bind
- ✓ RWI-calibrated quality of earnings analysis
- ✓ Net working capital peg with methodology memo
- ✓ Revenue and customer concentration testing
- ✓ Direct support on the underwriter call
Quality Of Earnings To Bind RWI Coverage
Representations and warranties insurance changes what a quality of earnings report has to do. Underwriters condition coverage on the depth and defensibility of the diligence behind it. Gaps in EBITDA support, thin revenue testing, or unreconciled adjustments produce exclusions, retention increases, or no-go decisions.
A QoE that reads well to a buyer is not always one that binds policy. OAG structures financial due diligence to satisfy the standards underwriters actually apply.
More than 50% of M&A transactions now use representations and warranties insurance. Coverage hinges on diligence the underwriter can stand behind.
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