What do lenders usually ask contractors for?

Typically interim and year end financial statements, a debt schedule, an accounts receivable and payable aging, a WIP schedule, tax returns, and a forward looking cash flow view. Missing or inconsistent versions of these are the most common source of delay.

Our books are behind. Can we still start?

Yes, but cleanup usually has to come first. A lender package built on unreliable balances creates more questions than it answers.

How long does it take?

When the accounting records are current, a readiness package is usually a short project. When historical cleanup is required, the timeline depends on the number of periods and transaction volume.

Bank Ready Financials

Financial Information Prepared for a Serious Financing Conversation

Lenders do not decline contractors for having a bad month. They decline for financial information that cannot be explained, reconciled, or supported. This engagement organizes and reviews the financial information a bank, credit union, or equipment lender commonly requests.

We prepare the package, walk you through what the numbers say, and identify the questions a credit analyst is likely to raise before they raise them.

Assess My Financing Readiness

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What the package covers

Financial statement review

Balance sheet observations

Cash flow analysis

13 week cash flow forecast

Debt schedule

Accounts receivable review

Accounts payable review

Loan and lease review

WIP and backlog summary

Management reporting package

Financial document checklist

Coordination with your CPA or tax professional

Financial events this supports

Working capital line of credit

Equipment financing

Real estate or facility financing

SBA loan applications

Bonding and surety capacity

Refinancing existing debt

How engagements are scoped

Engagements are scoped based on revenue, entity count, transaction volume, accounting complexity, reporting requirements, and the level of finance support required.

Important disclosure

Contractor Plus Books does not provide loans, act as a lender or broker, or guarantee financing approval. Where the underlying books are incomplete or unreliable, financial cleanup is quoted separately.

Where this usually leads next

Most engagements start with one financial problem and grow into ongoing support.

Cash Flow Forecasting

The 13 week view lenders ask about and owners need anyway.

Financial Cleanup

Reliable balances before anyone underwrites them.

Fractional CFO

Ongoing financing, growth, and capital decision support.

Assess My Financing Readiness

FAQ

Questions contractors ask about this

No. Contractor Plus Books does not provide loans, act as a lender or broker, or guarantee financing approval. We prepare and review the financial information lenders commonly request.

Your financial reports should answer questions.
Not create more of them.

Book a 20-minute review of your job margins, cash flow and reporting — or model a contract's cash impact first with the free analyzer.

Book a 20-Minute Financial Review Run the Free Cash Gap Analyzer

Not ready to talk? Take the 3-minute Financial Health Check.