Built on the standards your lender already reads
Lenders don't underwrite your hustle. They underwrite your statements. Bank memos, personal charges and catch-all buckets read as risk.
No balance sheet. No cash flow statement. Personal and business mixed together.
A P&L, a classified balance sheet and an indirect cash flow statement, all tied to the same transactions.
Upload a CSV export from any bank, or the PDF statements themselves. Every PDF is checked to balance before anything is imported.
Each transaction lands in a GAAP account with a confidence score. Approve the sure ones in bulk and look at the few it flags.
See your bankability grade and what moves it. Export a P&L, balance sheet and cash flow statement as PDF or CSV.
Two engines read each bank memo. They find the counterparty and parse wire and ACH details, then map the transaction to your chart of accounts.
Multi-step P&L, classified balance sheet, indirect cash flow (ASC 230) and trial balance. Click any line to see the transactions behind it, and reclassify them right there.
A 0–100 bankability score with an A–F grade. It checks your books against 27 accounts lenders expect, flags misclassified accounts, and shows which loan types fit: term loan, line of credit, SBA 7(a) or equipment financing.
The score is an estimate to help you prepare. It is not a credit decision or an offer of credit.
Illustrative exampleA bakery with 1,800 card and bank transactions a month reviews about 120 of them by hand.
Get personal and business spending apart, and a P&L you can hand to a lender.
Run bills, invoices and reimbursements, and keep statements current without a full-time bookkeeper.
Restaurants, trades and retail with thousands of card and processor transactions a month.
Invite your CPA with their own role. They review the same books you do.
No bank login to share. Download your statements and upload them.
Detects the delimiter, including European exports, and maps the columns for you.
AI reads each row and checks that the opening balance plus the rows equals the closing balance.
Bring your own by CSV, or start from a standard US GAAP chart.
Direct sync with your accounting system is in the works.
You're trusting us with bank statements. Here's how we protect them.
Every company's records are isolated in the database itself with row-level security, not just in the app.
Invite teammates and your accountant with per-company roles. Sign in with Google.
Each manual reclassification is logged with who changed what and when. Hosted on Google Cloud, encrypted in transit and at rest.
“The bank asked for a balance sheet. For the first time, I had one that matched my statements.”
“My score was a C because my books were missing accounts a lender expects. I fixed them in an afternoon and applied with a B.”
“My CPA used to spend a week cleaning my books. Now she reviews them in an afternoon.”
Every plan includes AI classification, US GAAP statements and your bankability score.
For one business getting ready to borrow.
For owners with several entities, or a CPA in the loop.
For multi-entity groups and advisory firms.
All prices in USD, excluding applicable taxes.
| Capability | Lendable Books | Spreadsheet | Generic bookkeeping app | Bookkeeping firm |
|---|---|---|---|---|
| Sorts transactions into US GAAP accounts | Automatically | By hand | With rules you set up | By hand |
| Shows a confidence score per line | Yes | No | Rarely | No |
| Reads PDF bank statements | Yes, with a balance check | No | Varies | By hand |
| Indirect cash flow statement (ASC 230) | Built for you | Build it yourself | Varies | Yes |
| Bankability score and loan matches | Yes | No | No | No |
No. The AI classifies your transactions and you approve them. If you have an accountant, invite them and they review the same books.
GAAP is the format credit officers are trained to read. Statements in that format, tied back to real bank transactions, are faster to underwrite and raise fewer questions.
Not directly. Download a CSV or PDF statement from your bank and upload it. You never share your bank login with us.
No. It checks how your books are structured against the accounts lenders expect to see. It doesn't touch your credit and it isn't a loan offer.
No. It gives you Schedule C, 1065, 1120 and 1120S views of your numbers, so you or your tax preparer can file faster.
Yes. Export your P&L, balance sheet and cash flow statement as PDF or CSV at any time.
Upload a year of statements and see your bankability score today.
