Loan-ready financials, built from your real records
We turn your bank statements, tax returns and books into the P&L, cash flow, projections and DSCR that lenders ask for, in clean Excel files your accountant and loan officer can check.
4.9 Fiverr rating · 10+ years of spreadsheet and data work
What you get
Lenders decide on a few documents. We prepare them clearly, with every number traceable back to a source you gave us.
Profit and loss
Monthly and yearly P&L from your bank and book records, with categories a lender recognises.
Cash flow statement
Where money came from and went, so the lender sees cash left to pay the new loan.
DSCR and maximum loan
Your debt service coverage with existing and new debt, plus the largest loan your cash flow supports.
3-year projections
Monthly first year, then yearly, built on written assumptions you agree with before we finish.
Balance sheet
Assets, liabilities and equity at the current date, with a debt schedule for every loan you hold.
Lender summary
A short written plan: the business, use of funds, break-even and how the loan gets repaid.
We only work from real records. We do not create, edit or “improve” bank statements, tax returns or any other document, and we do not invent revenue. If your numbers fall short, we show you the gap and honest ways to close it, such as paying down debt or adding back costs your lender accepts.
Packages
Fixed price, agreed before we start. All files are Excel and open in Google Sheets.
DSCR Pack
For a quick, clean picture of where you stand. Usually 3 to 5 working days.
- 12-month P&L and cash flow
- Debt schedule
- DSCR and maximum loan
Projections Pack
For most SBA and bank applications. Usually 5 to 7 working days.
- Everything in DSCR Pack
- Balance sheet
- 3-year projections with assumptions
- Best, base and worst case
Lender-ready Plan
For larger loans that need a written plan. Usually 7 to 10 working days.
- Everything in Projections Pack
- Written lender summary
- Use of funds and break-even
- One revision after lender feedback
What we need from you
Send what you have. We tell you within a day if anything is missing.
- Business bank statements, last 12 to 24 months
- Business tax returns, last 2 to 3 years
- Books or exports from QuickBooks, Xero or similar, if you use them
- A list of current loans, leases and credit lines
- The loan amount, rate and term you are applying for
- For projections: your plans for sales, staff and big costs
How it works
Share your records
Upload securely or share a folder. We can sign your NDA first.
We build and check
Every total is tied back to your statements and checked twice before you see it.
Review with your lender
You get the files and a short guide, and we answer your lender’s questions on the numbers.
What clients say
“Needed someone to convert 10,00 page pdf of bank statements into a Google Excel document. It wasn’t working with any of the softwares and needed it asap. Tahir Team was quick and understood the assignment!”
“Consistently delivering high-quality work within the agreed timelines. His attention to detail, commitment to maintaining standards, and proactive communication have made every engagement smooth and dependable.”
“Always extraordinarily responsive. Great value. I continue to appreciate the great service.”
Questions about loan-ready financials
What financial statements do lenders need for a business loan?
Most lenders ask for 2 to 3 years of tax returns, a recent profit and loss statement, a balance sheet, bank statements and a debt schedule. SBA and larger loans usually add cash flow projections and a short business plan.
Are you accountants or CPAs?
No. We are spreadsheet and financial modelling specialists. We prepare clear statements and projections from your records; we do not audit, certify or file taxes. Your accountant or lender can review everything we build.
Can you make my numbers look better for the bank?
No. We only use real records and never change documents or invent income. We can show you the legitimate ways to improve your DSCR, such as paying down debt, a longer loan term, or add-backs your lender accepts.
Do you guarantee my loan will be approved?
No one can. The lender decides. What we guarantee is clean, consistent files that match your records and answer the questions lenders usually ask.
Is my financial data safe?
We use your records only for your project, never share or reuse them, and delete them when the project ends if you ask. We can sign your NDA before you send anything.
Applying for a loan soon?
Tell us the loan and send what records you have. You get a fixed price, usually within an hour.
Softotech Solutions is not a lender, accountant or financial adviser. Our files support your application; lending decisions are made by your lender.