Books a lender can underwrite on the first pass.
Most declines are not credit decisions. They are the file coming back incomplete, inconsistent, or three months stale — and the lender moving on to the next one.
Nothing changes your books without you. Every entry is proposed for your confirmation before it posts.
Real client numbers, no signup — it opens straight away.
From real engagements
A real file we were handed showed $3.7M billed on the spreadsheet, $2.6M in the ledger, $1.9M in the project tracker. No lender underwrites that.
Tax collected from customers, booked as income instead of as a liability. On a balance sheet a lender reads, that is the difference between a loan and a decline.
Clients described by industry only · figures out of their own ledgers
What you get
Everything the job actually takes.
A clean trailing twelve
Reconciled month by month, with the adjustments documented rather than buried in a journal entry nobody can explain.
The schedules underwriters ask for
A/R and A/P aging, debt schedule, owner compensation, add-backs — assembled, not reconstructed under deadline.
Balance sheet that ties
Undeposited funds cleared, inter-account transfers matched, liabilities where liabilities belong.
A defensible forecast
Projected from your own trend and seasonality, so the coverage ratio in the package is one you can talk through.
Answers while they are asking
The underwriter's follow-up question goes to your live ledger, not to a two-week email thread.
One package, every lender
SBA 7(a), 504, conventional term debt, and lines of credit read from the same clean set of books.
Simple, transparent plans
Pick the level of support you want.
Do it yourself with the Dashboard, have us run your books with CFO, or have us run your books and your marketing with CFO + Growth.
The software on its own. You keep your books; it keeps watch.
- ›Live P&L, cash flow & balance sheet
- ›AI assistant that answers from your own ledger
- ›Automatic checks: duplicates, unbilled revenue, unmatched deposits
- ›QuickBooks or Xero, connected in two minutes
- ›Email support
We run it. Your books current, the problems found and fixed, and a CFO to talk to.
- ›Everything in Dashboard
- ›Books kept current and reconciled by us
- ›Exceptions worked every week, not at quarter-end
- ›Monthly review: what changed, why, and what to do
- ›Loan- and bank-ready packages
- ›Set up for your industry, from rentals to agencies
+$400/mo per additional entity.
Everything in CFO, plus the marketing that brings in customers.
- ›Everything in CFO
- ›Posts and short videos every week, from your real business
- ›Paid ads set up and managed (ad spend billed by the platform)
- ›Outreach lists and follow-ups, every send approved by you
- ›Local SEO: Google Business Profile kept up, every review answered
- ›Service and city pages on your site, written to rank locally
- ›New leads to your phone the minute they come in
- ›Marketing results next to revenue in one monthly review
Starting takes you through signup to checkout — no long-term contracts, cancel anytime. Setup fee waived for a limited time.
Bring the file you were about to submit. We'll tell you what the underwriter is going to find.
Real client numbers, no signup — it opens straight away.
Book a 15-minute demo · sales@iamcfo.com · (305) 930-2848