Bank-Ready Financial Package Builder

Heading into a loan application or refinance? This builds the cover memo, borrower snapshot, add-back schedule, and documentation checklist an SBA or conventional underwriter expects to see. Pairs directly with the DSCR calculator and the management agreement generator.

Draft only. Every number in the output must trace to your books. Have your CPA or fractional CFO review before you send this to a banker.

Borrower

Entity name

Entity type

State of formation

Years in business

Industry / NAICS

Employees (FTE)

Ownership

Owner names and percentages. SBA will want every owner ≥20%.

Primary bank relationship (optional)

Facility requested

Loan type

Loan amount

Target lender

Proposed term

Purpose / use of proceeds

Collateral (optional)

Financials (3-year trend)

Paste in revenue, gross profit, operating expenses, EBITDA, and net income for the last 3 years (plus TTM if you have it). The more structured, the better — a simple year-by-year summary is fine.

Annual debt service (current + proposed)

Structure

Multiple related entities

Check this if the borrower is part of a multi-LLC structure (holdco, management co, operating co, real-estate co, etc.).

Add-backs claimed

Each add-back will appear on the schedule. Rationale is what you'd say to the underwriter; the tool will suggest supporting docs per item.

Positioning

Strengths to emphasize

Known objections to address

Additional context (optional)

Need entity name, loan amount, purpose, and the 3-year financial trend to generate.