E-commerce
Profit and loss statement for an e-commerce business
Marketplaces pay out net. Amazon, Shopify, Etsy and eBay each take their fees before the money reaches the bank, so a statement shows a smaller, tidier number than the shop actually sold — and a P&L built from deposits alone understates both the revenue and the cost of selling.
Upload the statements your bank already sends you and we read every transaction, ask about the ones we cannot place, and build a Profit & Loss you can hand to whoever asked for it. Start without an account.
The categories a e-commerce business gets
These are provisioned for you on day one — the same rows the product sorts your transactions into, with the suppliers it looks for.
- Inventory PurchasesCost of the work
- Products bought for resale: suppliers, wholesalers, manufacturers, Alibaba, Faire, and private-label vendors.
- Shipping & PostageCost of the work
- Outbound shipping and postage for customer orders: USPS, UPS, FedEx, ShipStation, Pirate Ship, Stamps.com label purchases.
- Packaging SuppliesCost of the work
- Boxes, mailers, tape, void fill, and packaging materials: Uline and similar packaging vendors.
- Platform & Marketplace FeesRunning the business
- Marketplace and selling-platform fees: Amazon seller fees, Shopify subscription and fees, eBay, Etsy, Walmart Marketplace charges.
The deposits that are not income
This is where an owner-prepared P&L usually goes wrong. Money can land in the account without being a sale, and money can leave without being a cost — and a lender notices when it has been counted anyway.
- Loan ProceedsMoney you owe
- Deposits from new borrowing: loan funding, SBA disbursements, merchant cash advances, and line-of-credit draws. Not revenue.
- Owner ContributionOwner's money
- Owner's personal money put into the business: capital injections and owner-funded deposits, often round amounts. Not revenue.
- Internal TransferNot on the P&L
- Movement between the business's own accounts: transfers to or from its own checking or savings. Excluded from the P&L entirely.
- Refunds GivenMoney in
- Money returned to customers: refunds, chargebacks, and returned sales. A withdrawal that reduces revenue, not an expense.
We ask about these in plain English rather than guessing — “was this $10,000 deposit sales, your own money, or a loan?” — and you see every answer before you pay.
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