Statements built the way an underwriter reads them — by a bookkeeping firm led by a banker with 40+ years on the lending side of the table.
Free file review · Flat-fee scope · 40+ years banking experience
Our loan advisory is led by a banker who spent four decades on the lending side of the table — reviewing, underwriting, and declining these exact packages.
We calculate your coverage before you apply, so you learn where you stand from us instead of from a decline letter.
Send your QuickBooks file or the last three bank statements. You get a written read on what shape the books are in and what the package will take.
Cleanup and loan package work is scoped as a fixed price after the review. No hourly meter running while a lender changes their mind.
Profitable companies get declined every week because the numbers cannot be verified. The business was fine. The file was not. Here is what an underwriter opens, in the order they open it — and what has to be true in each one.
Underwriting starts by tying your returns to your books. If the P&L you hand over does not reconcile to the return, the file stalls before it reaches committee. We reconcile book-to-tax and document the differences up front.
Interim statements must be dated within 90 days of application, accrual-consistent, and free of the catch-all accounts underwriters flag — Ask My Accountant, Uncategorized Expense, and negative liability balances.
Lender, original amount, current balance, rate, monthly payment, maturity, and collateral for each note, line, card, and equipment lease. Missing debt is the single fastest way to lose credibility in underwriting.
Most Houston banks and SBA 7(a) lenders want 1.25x or better. We compute it the way the credit memo will: net income plus interest, depreciation, amortization, and documented owner add-backs, divided by proposed annual debt service.
Aging reports show collection quality and whether payables are being stretched. Concentration matters too — if one customer is 40% of receivables, the lender will ask, so we prepare the answer with the package.
Twelve to twenty-four months of monthly projections, tied to the historical statements, with written assumptions for revenue growth, gross margin, headcount, and the new debt payment itself.
Want to check your own coverage first? Run the numbers in our free loan affordability and DSCR calculator, then read the SBA loan bookkeeping guide for the full document checklist.
Send the QuickBooks file or your last three bank statements. We read it the way a credit officer would and write back with what is missing — usually within one business day.
You send the QuickBooks file (or three months of statements) and tell us the loan type and amount. We read the books the way an underwriter would and write back with what is missing.
If reconciliations are open or the chart of accounts will not survive review, we quote a flat-fee cleanup with a date. Most Houston files we see need two to eight months rebuilt.
Statements re-cut into lender format, debt schedule built, DSCR calculated, projections modeled with written assumptions, and a use-of-funds schedule tied to the request.
You submit with a package that answers the standard questions in advance. When the underwriter comes back with follow-ups, we handle the financial ones directly.
Heaviest documentation load: interim statements, debt schedule, projections, personal financial statement, and SBA Forms 413 and 2202.
Two-lender structure means two credit memos. Occupancy math and fixed-asset detail have to be right the first time.
Local Houston banks underwrite on global cash flow and covenant headroom. We model both before you apply.
Borrowing-base support: receivable aging, inventory detail, and a rolling forecast showing the revolver is used seasonally, not permanently.
Payback analysis on the asset plus a debt schedule that shows the new payment alongside every existing lease.
Property-level P&Ls, NOI normalization, and DSCR at the proposed new payment and rate.
Loan-ready financials are a P&L, balance sheet, cash flow statement, debt schedule, and projection set prepared in the format a commercial underwriter expects — reconciled to your tax returns, free of catch-all accounts, dated within 90 days, and accompanied by a documented DSCR calculation. Ordinary monthly bookkeeping reports are usually not loan-ready without rework.
Most Houston banks and SBA lenders ask for two to three years of business tax returns, year-to-date P&L and balance sheet, a complete business debt schedule, accounts receivable and payable aging, personal financial statements for every 20%+ owner, and 12 to 24 months of projections with written assumptions. SBA 7(a) files add Form 413 and Form 2202.
DSCR equals annual cash flow available for debt service divided by total annual debt service. Cash flow available is typically net income plus interest, depreciation, amortization, and documented one-time or owner add-backs. Debt service is the principal and interest on all existing debt plus the proposed new loan. Most Houston lenders want 1.25x or better; our free DSCR calculator lets you run the number yourself.
Not successfully — an underwriter cannot approve statements that do not reconcile. But behind books are fixable. We routinely rebuild two months to two years of history at a flat fee, then produce the loan package from the corrected data. Start with the free file review so you know the scope and timeline before you talk to a lender.
If the books are current and reconciled, the package itself takes about one to two weeks. If cleanup is required, add roughly one week per six months of history that has to be rebuilt. We give you a firm date with the flat-fee quote after the free review.
Yes. We work alongside your existing CPA and communicate directly with your loan officer and underwriter on the financial questions. We do not replace your tax preparer — we make sure the numbers they file and the numbers the bank reviews tell the same story.
It is quoted as a flat fee after the free file review, and it depends almost entirely on how much cleanup the books need. Ongoing monthly bookkeeping clients receive lender-format reporting as part of their plan. See our pricing page for monthly ranges and the Houston bookkeeping and CFO pricing benchmarks for sourced market rates.
No. We are based in Greater Houston and meet in person across Katy, Cypress, Spring, Sugar Land, The Woodlands, Tomball, Conroe, Jersey Village, and Klein, but the loan package work is done in QuickBooks Online and we serve clients remotely across Texas.
Send your QuickBooks file or last three bank statements. We'll tell you exactly what an underwriter would flag, what cleanup it takes to fix, and the flat fee to get the package built — usually within one business day.
Prefer email? Use the contact form and we'll follow up with a written scope and price.