---
title: "Lender-Ready Financial Package for Small Business Loans"
description: "A clean set of statements, schedules and a cash flow projection for a bank or SBA lender, built from your books. We prepare the package; the lender decides."
url: "https://mcc-solutionsnj.com/bookkeeping/projects/lender-ready-financial-package"
---

Bookkeeping project

# Lender-ready financial package

Lenders read your numbers before they read your story. We turn your books into a clear, consistent package, so questions are about your business and not about the formatting.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

For owners applying for a loan, line of credit or equipment financing.

## What you get

- Year-to-date and prior-year profit and loss and balance sheet, reconciled to your statements
- A debt schedule listing each loan, balance, rate, payment and maturity
- Receivables and payables aging, so the lender sees what is owed to you and by you
- A cash flow summary and a 12-month projection built from assumptions you approve
- A short notes page explaining anything unusual, such as a one-time cost or a seasonal swing
- A checklist of what the lender asked for and where each item is in the package

## What we need from you

- Access to your accounting software
- Statements for every bank, card and loan account
- Your lender's checklist, if you have one
- Your plans for the money, in plain words
- A willingness to answer questions about unusual items

## How it works

- **Start with the lender's list.** We read what they require and plan the package to match.
- **Make the books ready.** Reconcile accounts and clear anything uncategorized. If months are behind, this may start as a catch-up first.
- **Build the schedules.** Debt, aging and cash flow, all tied to the books.
- **Review together.** You see every page, check the facts and approve the assumptions before anything goes out.
- **Hand over.** A single organized package, in the formats the lender accepts, with the working files.

## What this is not

- We do not decide whether you qualify or negotiate with the lender.
- We do not guarantee approval, a rate or a loan amount.
- We do not audit or review your statements, and we do not sign them as a CPA would.
- Your CPA should review anything the lender requires to be CPA-prepared.

## Price

**Starting at $1,200** one time.

Your written scope sets the final price before any work starts. What moves it: how many years and accounts are in the package. If we are not the right fit, we say so.

## Related

- [Are my books ready for a CPA or lender?](/bookkeeping/guides/are-my-books-ready-for-my-cpa-or-lender)
- [How to calculate a business loan payment](/bookkeeping/guides/how-to-calculate-a-business-loan-payment)
- [Cash flow and burn rate calculator](/bookkeeping/cash-flow-and-burn-rate-calculator)
- [All projects](/bookkeeping/projects)
- [Monthly service levels](/bookkeeping/plans)

## Questions

**Do you submit the package to the lender?**

You do. We prepare it and you decide what to send. We can answer a lender's follow-up questions about the numbers if you ask us to.

**Will this get me approved?**

We cannot promise that. Lenders set their own standards. A clear, consistent package removes avoidable questions.

**What if my books are behind?**

We bring them current first. That is a separate catch-up scope, written and agreed before work starts.

**Is the projection a forecast of what will happen?**

It is a set of numbers built from the assumptions you approve. It shows what your plan implies, not a prediction.

MCC Solutions is not a CPA firm or a law firm. These projects organize and present your own numbers. They are not audits, reviews, tax returns, valuation opinions, or credit, tax or legal advice, and we cannot promise that a lender, buyer or investor will accept them. Rules and requirements change, so confirm anything that matters with the party involved and your CPA.

Do it yourself

### Business Planning Bundle

Plan the cash, set the budget, price for profit and watch the monthly numbers, in four workbooks that use the same plain method.

[See what's inside ($79)](/toolkits/business-planning-bundle)14-day full refund

## Tell us about the project and get a written scope.

[Request a scope](/contact)[Call (908) 444-6373](tel:+19084446373)