Financial Statements Kit

The Financial Statements Kit: turn your bank statements into the three pages every lender reads.

Every lender, from a community microlender to a bank writing an SBA loan, asks for the same three documents: a profit and loss statement, a balance sheet and a cash-flow statement. Most small business owners have never made one. This do-it kit builds the real thing from your own records, proves the pieces agree, and projects them forward with your new loan in place.

• Sorting the Money: where every dollar goes, including the five things that are never expenses (and how to handle booth fees, artist commissions and Etsy payouts)

• The Profit & Loss, month by month, built from your bank and platform reports

• The Balance Sheet and the tie-out check that proves nothing is missing

• The Cash-Flow Statement: why your profit and your bank balance don't match

• Projections Lenders Believe: three years forward, with the loan in it

• The numbers lenders calculate about you (DSCR, current ratio, debt-to-worth, break-even) and how to move them

• Matching your tax return, the red flag that sinks more files than bad credit

Includes a 14-page PDF guide plus two Excel/Google Sheets workbooks: one blank for your business, and one filled in with the example business the guide walks through. Type into the tinted cells; the workbook builds all three statements, checks that they tie out, turns any month red where you'd run out of cash, and calculates your ratios.

No accounting degree needed. From The Alchemist's Vault, funding for makers, mystics and misfits.