Beyond Data Entry—Financial Oversight Built for Growth
Most bookkeepers look at the past. I look at your books the way a lender does: with an eye toward your future stability and your ability to access capital.
Lender-Ready Monthly Bookkeeping
The Foundation of a Bankable Business
Don't wait until you need a loan to realize your books are a mess. I provide month-end closing that ensures your Balance Sheet and P&L are accurate, reconciled, and ready for an underwriter’s review at a moment’s notice.
- Monthly Reconciliations: Bank, credit card, and loan statements synced to the penny.
- Debt Service Tracking: Ensuring loan payments are correctly split between principal and interest—a common area where “standard” bookkeepers fail.
- Clean Chart of Accounts: Industry-standard categorization that makes sense to you, your CPA, and your banker.
Professional Cleanup & Catch-Up
From “Messy” to “Underwriter-Ready”
If you’ve fallen behind or your QBO file has become a “black hole” of uncategorized transactions, I can fix it. I specialize in deep-dive cleanups that get you current for tax season or a looming loan closing.
- Historical Correction: Fixing past errors and reconciling missed months.
- Balance Sheet Scrubbing: Removing “ghost” assets or liabilities that are hurting your creditworthiness.
- Rapid Turnaround: Most cleanups are completed within 14–30 days.
Business “Bankability” Advisory
The Credit Analyst in Your Corner
Included in my Growth packages, this service bridges the gap between bookkeeping and financial strategy. We look at the “Health Ratios” that determine whether a bank will say “Yes” or “No.”
- Quarterly Ratio Analysis: We track your Debt Service Coverage Ratio (DSCR) and liquidity.
- Lender Liaison: I can speak directly with your loan officer or CPA to provide the specific reports they need, saving you hours of “middle-man” stress.
- Document Vaulting: Organization of key financial documents lenders require, kept ready for your next application.