Amounts, terms and timelines are typical ranges for complete files, subject to underwriting and lender approval.
Compare all programsEducational content only, not a commitment to lend, and not tax, legal or accounting advice.
Browse the AcademyThe four documents every business file needs — a profit and loss statement, a balance sheet, a business debt schedule and a personal financial statement. Free to download, no email asked, and laid out in the order an underwriter reads them.
One workbook with four tabs — profit and loss, balance sheet, business debt schedule and personal financial statement. Forward it as it is to your bookkeeper or accountant; there is no email to give and nothing to sign in to.
Or download them one at a time
Revenue, cost of goods and the operating expense lines a lender reads, for a fiscal year or a year-to-date period. Totals are formulas, and an EBITDA memo is computed from the add-back lines.
Feeds earnings, coverage and annualized revenue on your file.
Assets, liabilities and equity as of one date. The liabilities-and-equity line and any unreconciled difference are computed for you, so the sheet tells you when it does not balance.
Feeds working capital, current ratio and leverage.
Every loan, line, lease and advance the business carries: lender, origination year, balance, monthly payment, rate and payments remaining, one row each.
Feeds debt service and the coverage ratio on every program.
Personal assets, liabilities and net worth for every owner at 20% or more — the short form of the SBA Form 413 your advisor can also send you on screen.
Feeds the guarantor strength lenders weigh beside the business.
Already working with us? Your advisor sends a link that opens all four on screen — no spreadsheet needed.
Year-to-date through the most recent month-end, and the last full fiscal year if you have it. A lender annualizes a year-to-date statement of six months or more; anything shorter is read as a snapshot, not a trend. Put the start and end dates in the header cells — the template has no year built in, so the same file works next year.
Either, as long as you say which in the basis cell and stay consistent with your tax return. Most small businesses report on a cash basis. What a lender will not accept is a statement that mixes the two, or one that disagrees with the return without an explanation.
No. A statement exported from QuickBooks or prepared by your accountant is fine — upload it to your file as it is. The templates are for owners who have nothing prepared yet; they put the lines in the order the underwriter reads them, so nothing has to be reworked later.
Fill them in, start your file and upload them — or start the file first and let your advisor send the on-screen versions. Either way the desk reads the same lines.
