The twelve things a lender asks for, and what "clean" means for each.
No form. Bankers forward this to borrowers; owners use it before the request goes in. Check what you have ready today.
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The books need attention before the request. Start with the balance sheet.
The three mismatches that kill deals
Internal statements that don't tie to the return
The analyst lays them side by side first. A difference without a bridge becomes a question, then a condition, then a delay.
An unreconciled balance sheet
Undeposited funds, a loan balance that doesn't match the lender's, payroll liabilities that don't match the filings. Each one costs a week.
Undocumented owner draws
Distributions the return calls one thing and the books call another. Global cash flow can't be calculated until they're explained.
If three or more items aren't ready, a fixed-fee loan package is usually faster than assembling it yourself. Chris: 630-643-5600. Lender reporting and loan packages →
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Ten questions · results on the page
Do I need a bookkeeper, a controller or a CFO?
Yes or no, ten times. A Financial Health Summary across reporting, cash flow, profitability, financial controls and owner time.
Tell us what's going on. We'll tell you what we see
One conversation with Chris, no deck. He'll tell you what he sees and what it would take to fix it, including if the answer is that you don't need a CFO yet.
Chris Greco, Founder and President.
Your first call is with him, not a sales team.