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.
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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.
Bring the file you were about to submit. We'll tell you what the underwriter is going to find.
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