Lender-ready financials
Get your books ready for a bank or SBA loan
Lenders ask for profit and loss statements, balance sheets, debt schedules and bank statements that agree with each other. When they don't, that's what delays an application.
What lenders commonly ask for
Business tax returns for a few years, year-to-date financial statements, a debt schedule, bank statements and sometimes receivables and payables aging. Requirements vary, so ask your lender for their list.
What we prepare
Reconciled books, a clean profit and loss and balance sheet, a list of debts and loans, and aging reports, checked against the bank and your returns.
Limits
We can't promise financing. Our statements come from the bookkeeping and are not audited or reviewed. If a lender requires CPA-prepared statements, we work with your CPA.
Related
General information, not legal or tax advice. Rules change; confirm with the agency, lender or your professional. Updated October 2026.
FAQ
Common questions
Will this get me approved?
No one can promise that. We make your finances clear and consistent.
Can you write a business plan?
No. We prepare the financial records.
How early should I start?
Several weeks before applying, longer if the books are behind.