Your sales are understated
Understates the top line
Record what lands after Stripe, Shopify, Amazon or a broker takes their cut, and your sales are reported after fees. A business doing $2M can show up as $1.85M.
Pre-underwriting financial readiness — books that hold up when a lender looks at them.
Why this exists
A lender never meets your business. They meet your financial statements, and they assume the two are the same thing. When the books are imprecise that assumption costs you, because informal records almost always make a business look smaller and less profitable than it is.
I go through your file the way the reviewer will, fix what can be fixed, and hand you a plain-language memo on where you stand. It's addressed to you. Share it with your lender if you choose to.
Who this is for
Owner-operated businesses preparing for financing — ecommerce, service businesses, distributors, agencies, and companies referred by lenders or brokers. If your books are good enough to run the business but not good enough to hand an underwriter, that's the gap I close.
What I usually find
Understates the top line
Record what lands after Stripe, Shopify, Amazon or a broker takes their cut, and your sales are reported after fees. A business doing $2M can show up as $1.85M.
Wrong month, wrong picture
Work done in March but paid in May shows up as a May sale. Results swing for no real reason, and lenders read that as instability.
The first thing they check
Accounts never matched line by line to the statements. When that fails, everything else in the file gets questioned.
What it costs to deliver
Shipping, materials, contractors and software in one bucket, so nobody can tell whether you make money on what you sell.
Understates your earnings
The truck, the phone, the family member on payroll — normal and often legitimate, but left unseparated they just read as costs.
Can't be verified
Transfers between your companies, money in or out, a loan or lease with no paperwork behind it. Lenders can't approve what they can't verify.
The pre-underwriting round
Fifteen minutes, no charge, to see whether this makes sense.
Balance sheet, profit and loss, trial balance, twelve months of bank statements, corporate documents. Or read-only access to your accounting system.
I go through it the way an underwriter will, then correct what's correctable within the included time.
Where you stand, what a lender will stop on, what I corrected, and a fixed price for anything still outstanding. Five business days from a complete file.
$1,250 USD, fixed
Includes up to six hours of corrections. Invoiced on delivery.
Bigger problems — rebuilding a year of records, restating your sales — are identified in the memo and quoted separately at a fixed price, never open-ended.
Background
I trained in audit at PwC and at a boutique firm, on files ranging from owner-run businesses to global multinationals. I know the standard large companies are held to, and precisely where smaller ones fall short of it. Today I'm a financial controller overseeing multiple entities.
I've also been an owner and an investor in ecommerce, so I know why early books get messy — founders are building a business, not maintaining a chart of accounts. Nothing you send me will be the worst I've seen.
Before you send the file
If you're about to ask a lender for money, I'll show you what they're likely to see first.