WE’RE NOW IN CHICAGO!

Portal
Schedule Your Consultation
(618) 656-6010

SBA loan financials that underwriters do not send back.

Most SBA files get stuck because the financials look improvised. We build the package the way lenders want it. The first time.

CPA-prepared financial statements (compiled, reviewed, or audited)
Cash flow projections in the format SBA underwriters expect
Three years of tax returns reconciled to your books, line by line
Direct communication with your lender during underwriting

Talk to us about your SBA loan

Two small business owners in their shop

Where SBA applications usually get stuck.

The same four issues cause most SBA delays. Here is where files slow down.

01
Underwriters want CPA-prepared statements, not a QuickBooks export.
Lenders need financials with a CPA’s name on them, prepared to a recognized standard. A PDF straight out of QuickBooks looks fine to you, but it does not check the box the underwriter is looking at.
02
Cash flow projections come back with red marks.
Banks have a format they expect. Twelve or twenty-four months out, broken down by month, with assumptions documented underneath. If the projection looks improvised or the numbers do not tie back to your last twelve months, the file slows down.
03
Three years of tax returns have to reconcile to your books.
Underwriters cross-check your tax returns against the financial statements you submit. Small inconsistencies read as red flags, even when nothing is actually wrong.
04
The clock is running while you are still running the business.
Most SBA applications come with a real deadline behind them: a property under contract, an acquisition closing, equipment that needs to be ordered. Doing the financial prep yourself on nights and weekends usually means missing the timeline or sending in something half-finished.

What we put together for you.

Tailored to your loan type, lender, and timeline. These three deliverables are the core of every package.

01
Financial statements

CPA-prepared financials that satisfy the underwriter on the first pass.

Compiled, reviewed, or audited based on what your lender requires.

Balance sheet, income statement, cash flow statement
Issued under our CPA firm letter
Books cleanup included if needed
02
Cash flow projections

Projections built to lender standards, not invented in a spreadsheet.

12 or 36-month projections in the exact format SBA underwriters expect.

Monthly breakdowns with documented assumptions
Ratio analysis where lenders look for it
Numbers that tie back to your last 12 months
03
Tax return package

Three years of returns reconciled to your financials, line by line.

We cross-check every return against the statements going into the package.

Business and personal returns reviewed
Discrepancies flagged and explained
Amendments handled in-scope if needed

How the engagement runs.

Most packages are done in two to four weeks.

01

Discovery call

Tell us the loan type, the lender, the size, and the deadline. We will walk through what the bank is going to ask for and which pieces of the package matter most for your file. No charge for the call.

02

Build the package

We pull what we need from your books, financials, and tax returns, clean up anything that needs cleaning up, and prepare the three deliverables to lender format. You see drafts before anything goes out.

03

Submission and underwriting

When the package goes to the bank, we stay on call. If the underwriter has questions or needs something restated, we handle that conversation directly with the lender so you do not have to translate.

Why it matters that a CPA prepares this.

SBA underwriting is a paper exercise.
The underwriter has never met you. They look at documents. A CPA signature puts your file in a different pile.
We work across Metro East IL, St. Louis, Chicago, and nationwide.
Dozens of SBA loans completed. We know what each region’s lenders flag, and for clients anywhere in the country we build the package around it virtually.
2 to 4 weeks is typical, not 4 months.
Files drag when the financials are not right. We make sure nothing in the package gives the underwriter a reason to slow down.
Clean books come first.
Our accounting and bookkeeping is where most SBA engagements start. Every loan package is built on top of clean books.

Got an SBA loan in the pipeline?

Tell us your loan type, lender, and deadline. We will tell you exactly what you need.

Schedule your consultation

Request Portal Access