Need a Profit & Loss statement for a loan application? Upload your bank statements, answer a few questions, and download a professional P&L — no accountant, no waiting.
Upload your bank statements, answer a quick questionnaire about your business, review a few flagged transactions, and download your P&L.
Your financial data is processed in real-time to generate your P&L, then discarded. No database. No stored files. No data to breach.
No database is provisioned. Your data exists in memory during processing and is discarded when your PDF is generated.
Your bank statements are never sent to a data aggregator. Unlike other tools, we don't use Plaid or similar services. Your data goes directly from your browser to our AI.
We can't leak what we don't have. There is no user database, no stored credentials, and no financial data on our servers — ever.
Bank-grade TLS encryption on every request. Your data is encrypted from your browser to our servers and back.
Request and response bodies are never logged. Only error codes and performance metrics are tracked — never your financial data.
Our AI provider contractually agrees to never store, log, or train on your financial data. It's processed and forgotten.
Secure payment via Stripe. 100% money-back guarantee if your lender doesn't accept the format.
Most lenders accept owner-prepared P&L statements for small business loans, including SBA loans. Our output follows standard income statement formatting with clear methodology notes. We label the document as AI-assisted and owner-reviewed — the same disclosure standard as using QuickBooks or any other software to prepare financials. If your lender requires a CPA-reviewed statement specifically, this tool can serve as the starting document your CPA works from, saving them significant time and you significant money.
Download your monthly bank statements as PDFs from your bank's website (most banks offer statements going back 12+ months). Upload 3 to 12 months depending on what your loan requires. We accept statements from any U.S. bank — Chase, Bank of America, Wells Fargo, credit unions, and more. If you use a dedicated business account, that's ideal. If your business runs through a personal account, our system will help you separate business from personal transactions.
Our four-layer classification system handles the majority of transactions automatically using information you provide in the questionnaire (your suppliers, software, rent, payroll, etc.) combined with known merchant patterns. The small percentage of ambiguous transactions are flagged for your review — you'll confirm whether they're business or personal. The result is a P&L where every transaction has either been automatically matched to your stated business information, recognized by pattern, classified by AI with your review, or verified directly by you.
Correct. This isn't a policy — it's how the system is built. We don't have a database. Our servers process your transactions in memory and return results to your browser. When your PDF is generated, the processing is complete and your data no longer exists on our infrastructure. Our AI provider operates under a zero-data-retention agreement, meaning your financial data is never stored or used for training. Your questionnaire responses and results are stored only in your browser's local storage until you close the session.
For the current version, we recommend using your primary business bank account — the one where most revenue is deposited and most expenses are paid. Multi-account support with cross-account deduplication (so transfers between your own accounts aren't double-counted) is coming soon. If your lender needs a consolidated view across accounts, start with your primary account and contact us about your specific situation.
Yes. If your lender doesn't accept the statement format, we'll refund you in full. We're confident in the output quality because it follows standard income statement formatting used across the industry. Just reach out with the lender's feedback and we'll process your refund immediately.
Upload your bank statements, answer a few questions, and download a professional Profit & Loss statement your lender will accept. Takes about 15 minutes.
Generate My P&L — $125