Bank financing supported by credible numbers

Established businesses and qualified startups preparing to request a line of credit, equipment financing, working-capital loan, acquisition financing, commercial mortgage, or refinancing. The service supports borrowers that need accounting records, historical schedules, projections, and assumptions organized around a lender’s actual request; it does not place loans or make credit decisions.

• A line of credit, equipment loan, acquisition loan, or refinancing is being considered
• The lender requested financial statements, projections, or covenant calculations
• Business and personal financial information must be organized consistently
• Owners need to compare borrowing capacity with expected cash flow

• The lender’s request list, proposed use of proceeds, repayment structure, submission date, and requested financial-statement level
• Historical tax returns, year-end statements, interim reports, general-ledger balances, and reconciliations for consistency
• Receivable, payable, inventory, fixed-asset, lease, and debt schedules that support balance-sheet and cash-flow amounts
• Ownership, contributions, distributions, related-party activity, guaranties, and existing loan or covenant obligations
• Revenue, margin, expense, capital-spending, working-capital, and repayment assumptions used in projections
• Contracts, purchase documents, equipment quotes, property information, or other evidence supporting the amount and purpose requested

We obtain the lender request list, review the books, identify adjustments, and prepare an organized response package within the agreed accounting scope. Management remains responsible for assumptions and representations, and the lender makes every credit decision.

Safe Harbor Accounting does not promise loan approval or act as a lender. Financial statements may require a separate compilation, review, audit, or agreed-upon engagement depending on the lender's request.

• Reconcile the accounting records before presenting historical results
• Prepare or organize requested financial schedules
• Build forecast assumptions tied to operating drivers
• Coordinate questions with the lender while preserving clear roles

• A lender-request checklist and indexed package showing which items are complete, pending, or outside the accounting scope
• Reconciled historical financial statements or accounting schedules for the periods requested, with material open items identified
• An interim reporting package that may include receivable, payable, inventory, fixed-asset, and debt schedules
• A projection model with documented revenue, margin, expense, capital, financing, and repayment assumptions
• Selected scenario and cash-flow analyses showing how changes in operating assumptions could affect repayment capacity
• A question-and-response log for financial items raised by the lender, with management representations and professional roles kept clear

Protect sensitive records. Do not send tax documents, Social Security numbers, bank records, IDs, or other sensitive files through ordinary email. Call the office before transmitting sensitive records.

• The lender’s application, term sheet, request list, proposed use of proceeds, and submission deadline
• Business tax returns and year-end financial statements for the periods requested by the lender
• Current interim profit-and-loss statement, balance sheet, general ledger, and bank reconciliations
• Business bank statements, accounts-receivable and accounts-payable aging, and inventory or work-in-process schedules when applicable
• Existing loan, lease, credit-card, and guaranty documents plus a current debt schedule
• Entity, ownership, and organizational records, including material ownership changes
• Contracts, purchase agreements, equipment quotes, property information, or other support for the requested use of funds
• Personal financial statements, personal tax returns, collateral records, or guarantor information only when the lender requests them and delivery instructions have been confirmed

Florida entity records, current state and local registrations, and evidence that tax accounts are in good standing may be part of lender due diligence. For South Florida real-estate or asset-backed requests, wind, flood, property-insurance, and operating-interruption costs can materially affect projections and should be based on current evidence rather than estimates carried forward from an older budget. Available programs and underwriting standards change; the lender or program administrator determines eligibility, documentation, collateral, guaranties, rates, terms, and approval.