- Price
- From $1,000, flat
- Ready in
- 7 business days
- Covers
- Up to 3 years
- Includes
- Walk-through call
What you hand the bank
One package, built to your lender's list.
What a lender checks
A lender is deciding whether your business will pay them back. These five checks are how they decide.
Years that match your returns
Your P&Ls sit next to your tax returns. Any gap needs a one-line reason.
What we doWe line each year up with its return and explain any difference.
Room to repay
Earnings have to cover today's payments, with room for the new one.
What we doWe list every payment and show your real cushion.
The kind of debt
Cash advances and cards covering payroll tell a lender you've been plugging holes.
What we doWe show it plainly, with a plan to retire the expensive debt first.
A real business
Its own entity, accounts in its name, sales and payroll taxes current.
What we doWe check each one and list anything to clear before you apply.
You
How you pay yourself, and whether you can explain your margins.
What we doWe walk you through the package so you can answer in your own words.
The fine print, up front
Who it's for
Owners applying for a loan, line of credit, SBA loan, or equipment financing in the next year.
What's covered
- One businessEvery bank, card, and loan account
- Up to three yearsPlus this year to date
- Your lender's listWe build to it, item by item
The work
- Books current through last month
- Each year's P&L matched to its tax return
- Owner and one-time expenses identified, so the lender sees true earnings
- Every debt listed with balance, payment, and rate
- Entity, accounts, and sales and payroll tax status checked
Not included
- Applying for the loan or shopping lenders
- Filing or amending tax returns. Your CPA handles those.
- Personal financial statements and personal credit
- Preparing a business for sale. See Selling a Business.
How it works
Step 1 of 3
Lock in your price
A short form. Most businesses buy online with no call.
Step 2 of 3
Send what's on the list
Statements and your lender's checklist. Your date starts when it's in.
Step 3 of 3
Walk in ready
Your package, plus a walk-through so you can speak to every number.
After the loan
Banks check again every year.
Most loans come with an annual review, and lines of credit renew. On a monthly plan your books stay current and next year's package is already built.
See plansCommon questions
What does it cost?
$1,000 for one year, $1,500 for two, $2,000 for three. Flat, with the walk-through call included. If your books are behind, the catch-up is priced separately at Bookkeeping Cleanup rates.
How fast is it ready?
Seven business days once we have your statements, if your books are current. If they're behind, we catch you up first.
Can you guarantee the loan?
No one honest can. The lender decides on your business, your credit, and their own rules. We make sure the paperwork is never the reason for a no.
Can you work from my lender's checklist?
Yes. Send it and we build the package to match, item by item.
Does it work for an SBA loan?
Yes. SBA lenders want the same core financials plus their own forms. We prepare the business financials. The personal forms stay with you.