Loan Ready Financial Preparation Services
Get lender-approved P&L statements, balance sheets, bank reconciliations, and expense verification letters for mortgages & business loans. Virtual service from $299. 14-day turnaround for contractors, food trucks, and solopreneurs.
What Lenders Require in 2025:
- Checkmark 2–3 years P&L & Balance Sheets
- Checkmark 3–12 months Bank Statements
- Checkmark Accountant Expense Verification Letter
- Checkmark Cash Flow Projections
Why Lenders Reject 70% of Small Business Loan Applications
In 2025, SBA & bank loans require clean, verified financials. Missing P&L, outdated balance sheets, or unverified expenses = instant denial. We fix that with audit-proof docs.
Mortgage Loans for Self-Employed
- 2 Years Tax Returns + Schedule C: Prove stable income (Fannie Mae/Freddie Mac require 2-year avg).
- YTD P&L & Balance Sheet: Accountant-signed for cash flow verification.
- 12 Months Bank Statements: Reconciled to show business vs personal.
- Expense Verification Letter: Accountant confirms legitimate deductions (home office, mileage).
Business Loans (SBA, Bank)
- 3 Years P&L + Projections: Show profitability (SBA 7(a) standard).
- Balance Sheet & Debt Schedule: Assets/liabilities breakdown.
- 6–12 Months Bank Statements: Cash flow trends (no personal mixing).
- Accountant Expense Letter: Verifies business expenses for DTI calculation.
90% of our clients get approved faster with our loan-ready package. From $299, 14 days.
Your 2025 Loan Readiness Checklist
Download our free PDF guide – includes sample forms & lender requirements.
Required Docs
- Checkmark P&L (2–3 years + YTD)
- Checkmark Balance Sheet (Current)
- Checkmark Bank Statements (6–12 mo)
- Checkmark Tax Returns (2 years)
Verification
- Checkmark Accountant Expense Letter
- Checkmark Cash Flow Projection
- Checkmark Debt Schedule
- Checkmark Business License
Our Service Includes
- Checkmark Custom P&L & Balance Sheet
- Checkmark Reconciled Bank Statements
- Checkmark Accountant-Signed Verification Letter
- Checkmark Lender Submission Guide
Sample Accountant Expense Verification Letter
Lenders require an accountant-signed letter confirming your business expenses are legitimate. Here’s a template we use (customized for your business).
Accountant Expense Verification Letter Template
[Nexus Tax Books Letterhead]
[Date]
To Whom It May Concern:
I am a licensed tax professional and accountant with Nexus Tax Books. I have prepared the tax returns and financial statements for [Business Name], EIN [Number], owned by [Owner Name] for the past [Years] years.
Based on my review of the business’s records, including receipts, invoices, and bank statements, I confirm that the reported business expenses for [Year] totaling $[Amount] are legitimate, ordinary, and necessary for the operation of the business. These include:
- Office supplies & equipment: $[Amount]
- Marketing & advertising: $[Amount]
- Travel & mileage: $[Amount]
- Professional fees: $[Amount]
No unusual or questionable expenses were noted. The business maintains accurate books and records in accordance with GAAP.
If you require additional information, please contact me at (904) 385-0466 or info@nexustaxbooks.com.
Sincerely,
[Accountant Name]
Licensed Tax Professional & Accountant
Nexus Tax Books
We prepare & sign this letter as part of your loan-ready package. 100% lender-accepted.
How We Get You Loan-Ready in 14 Days
- 1. Free Assessment: Upload sample statements — we quote in 24 hours.
- 2. Secure Upload: Send all docs via portal (bank statements, receipts).
- 3. Accountant Review & Prep: Reconcile, create P&L/Balance Sheet, draft letter.
- 4. Lender Delivery: Download signed package + submission guide.
Loan Readiness FAQs
What financial statements do lenders require for small business loans in 2025?
SBA & banks need 2–3 years P&L, current balance sheet, cash flow projections, and 6–12 months reconciled bank statements. We prepare all in 14 days.
How do self-employed get mortgages? What docs are needed?
Fannie Mae/Freddie Mac require 2 years tax returns, YTD P&L/balance sheet, 12 months bank statements, and accountant expense letter. Our package meets all.
What is a business expense verification letter?
Accountant-signed letter confirming expenses are legitimate (e.g., home office, mileage). Lenders use it for DTI. We include in every package.
How much does loan-ready prep cost?
From $299 for basic package (P&L, balance sheet, letter). Full reconciliation: $499+. Free assessment via (904) 385-0466.
Can you help with SBA loans or mortgages?
Yes — 90% approval boost. We specialize in self-employed (contractors, food trucks). Virtual, nationwide.
Ready for Loan Approval?
Get your free assessment — custom quote in 24 hours.
Start Free Loan Readiness Assessment(904) 385-0466 | info@nexustaxbooks.com