Get the P&L you were asked for
Without rebuilding your books. For a lender, a tax preparer, a landlord — or anyone else who asked.
Upload your bank statements. We read and categorize every transaction — including the check images — check the totals against your bank, and ask only when something needs your answer.
See your price first · Sign up for one free statement month · One payment for the rest, no subscription
2025-01-01 – 2025-06-30
Draft| Total Revenue | $479,125.50 |
| Gross Profit | $309,763.10 |
| NET INCOME | $39,249.70 |
Sample figures. The full statement is below, and the Excel and PDF you download add a column per month.
- Reads the check image — not just “CHECK 1052”
- Categories built for your type of business
- Ties to your bank's balances to the cent. Nothing dropped, nothing invented.
- Automatic first. Easy to change when only you know the answer.
However your bank sends it, we'll take it.
Who asked, and what you'll send them
- A lender asked for it
- A P&L for the months they named, plus a balance sheet as of the same date if they asked for one.
- Your tax preparer needs your numbers
- Year totals and categorized expenses built from your actual bank activity.
- A landlord or leasing company wants proof of income
- An owner-prepared P&L you can review, sign and send — with your name on the preparer line.
- Someone else asked for financial statements
- Choose the period and whether they asked for a P&L alone or a balance sheet too. Nothing you don't need.
Built for businesses like yours
Each industry gets its own chart of accounts, so your categories make sense on day one.
You need the report — not a bookkeeping project.
A CPA or bookkeeper
Catching up a year of books for one report often runs to thousands of dollars, and weeks.
Start from the statements you already have, for just the months you need. Pay once.
Accounting software
Set it up, connect your bank, learn it, pay monthly — and keep it up forever.
Upload files, make a few choices, and check only what needs you.
A generic PDF or AI reader
You get a list of transactions or a rough spreadsheet, and every check stays “CHECK 1052”.
We read the check image, sort each transaction into the right account, and build a real statement.
We read the transaction — not just the line of text.
A generic reader
- CHECK 1052 → Unknown expense
- Deposit $10,000 → Sales
ONE CLICK P&L
- CHECK 1052 → check image → ABC Plumbing Supply → Materials & supplies
- Deposit $10,000 → “Sales, your own money, a loan, or a transfer?”
Example. Vendor names are read from your own check images.
Not a transaction dump. A properly structured P&L.
Accounts named for your trade, subtotals a lender reads down, a column for every month in the Excel and PDF, and a preparer line with your name on it. Ready to review, sign and send.
Will my bank accept it?
Lenders see owner-prepared P&Ls every day. What they want is honesty and detail — and that's exactly what yours will have:
- Handwritten checks read from the picture, not left as “CHECK 1052” with no idea who you paid
- Account codes and category names from your own trade, so a bookkeeper reads it at a glance
- Every figure checked against the opening and closing balances your bank printed
- A column for every month in your Excel and PDF, not one lump sum
- A signed preparer line with your name on it, and notes saying exactly how it was prepared
2025-01-01 – 2025-06-30
Draft| Revenue | |
| 4010Food & beverage sales | $417,283.50 |
| 4020Catering & events | $61,842.00 |
| Total Revenue | $479,125.50 |
| Cost of Goods Sold | |
| 5010Food & beverage cost | $150,934.80 |
| 5020Paper goods & packaging | $18,427.60 |
| Total COGS | $169,362.40 |
| Gross Profit | $309,763.10 |
| Operating Expenses | |
| 6010Payroll & wages | $172,845.00 |
| 6020Rent | $54,000.00 |
| 6030Utilities | $13,874.20 |
| 6040Card processing fees | $11,428.70 |
| 6050Insurance | $7,380.00 |
| 6060Repairs & maintenance | $6,123.40 |
| Total Operating Expenses | $265,651.30 |
| Operating Income | $44,111.80 |
| Other Income / Expenses | |
| 7010Loan interest | $4,862.10 |
| NET INCOME | $39,249.70 |
Sample figures, shown with the same component your report screen uses. The Excel and PDF you download add a column per month.
Straightforward, one-time pricing
12 months from one bank account, Profit & Loss: $83.76
Your first statement-month is free. A statement-month we can't read is never charged. You'll see the exact total before you pay. See the full pricing.
Create my P&LYour statements are encrypted in transit, stored privately, and never sold or shared. Delete them anytime.
Cash basis, built from what actually hit your account. Run by a California-licensed CPA firm.
You see what we read before you pay
Every month of every account, and what we have for it. A solid square means we read it. A pale one means we think we know and haven't confirmed it. A dashed outline means nobody sent it — and we say so instead of quietly leaving it out.
5 of 12 statement-months covered so far. No file covers Apr 2025, May 2025, Jun 2025 yet.
| Account | Jan 2025 | Feb 2025 | Mar 2025 | Apr 2025 | May 2025 | Jun 2025 |
|---|---|---|---|---|---|---|
| Account ending 4021 | Account ending 4021, Jan 2025: confirmed | Account ending 4021, Feb 2025: confirmed | Account ending 4021, Mar 2025: confirmed | Account ending 4021, Apr 2025: nothing yet | Account ending 4021, May 2025: nothing yet | Account ending 4021, Jun 2025: nothing yet |
| Account ending 8890 | Account ending 8890, Jan 2025: waiting on a file we haven't read yet | Account ending 8890, Feb 2025: confirmed | Account ending 8890, Mar 2025: nothing yet | Account ending 8890, Apr 2025: nothing yet | Account ending 8890, May 2025: nothing yet | Account ending 8890, Jun 2025: nothing yet |
| Not matched to an account | Not matched to an account, Jan 2025: 1 file we haven't matched to a bank account yet | Not matched to an account, Feb 2025: nothing pending | Not matched to an account, Mar 2025: nothing pending | Not matched to an account, Apr 2025: nothing pending | Not matched to an account, May 2025: nothing pending | Not matched to an account, Jun 2025: nothing pending |
confirmedprovisional — we'll confirm once we read the filewaiting on a file we haven't read yetnothing yet
chase_4021_jan-mar.pdf
Jan 2025, Feb 2025, Mar 2025 (confirmed)
wells_8890_feb.pdf
Feb 2025 (confirmed)
scan_january.pdf
Not read yet — looks like Jan 2025
Sample figures, shown with the same component the product uses.
Need a balance sheet too?
A balance sheet that starts with evidence — not guesses.
Upload last year's balance sheet — or a business tax return with Schedule L — and we'll use those starting numbers. We update the balances supported by your current bank activity and clearly label anything that remains an estimate.
As of 2025-06-30
Unaudited| Assets | |
| Cash | $28,840.15 |
| Total Assets | $28,840.15 |
| Liabilities | |
| Total Liabilities | $0.00 |
| Equity | |
| Owner Contributions | $0.00 |
| Owner Draws | ($18,000.00) |
| Net Income | $39,249.70 |
| Opening Balance Equity (derived) | $7,590.45 |
| Total Equity | $28,840.15 |
| Assets = Liabilities + Equity ✓ | |
Chosen at checkout, from the statements you already uploaded. Assets are cash, because cash is what your statements prove. Anything that came before them is shown as Opening Balance Equity and labelled an estimate — never filled in to look complete.
Automatic where it can be. Easy to correct where only you know.
Most transactions are categorized automatically. When only you can know — whether a large deposit was sales, your own money, a loan, or a transfer — we ask a short question in plain English. You can change any category before finalizing the report.