Home › For Business Owners
FOR BUSINESS OWNERS
Your loan was denied because of your books — not your business
Most small business loan applications are delayed or denied because of disorganized financials — not because the business isn't viable. LedgerLine cleans up the books, produces lender-ready statements, and gets your application moving.
QuickBooks Specialist
SBA-Familiar Financials
Tax Prep & Filing
E&O Insured
BBB Accredited
SERVICE PACKAGES
Pick the level of cleanup you need.
Every package ends with lender-ready financials. The difference is how far back we go and how much ongoing support you need after closing.
STARTER
Starter Cleanup
Up to 6 months catch-up
$1,500
Can be included in loan proceeds*
- 6-month transaction catch-up and reconciliation
- Basic P&L statement lender-formatted
- One revision included
- File handed off to your CPA or lender
MOST COMPLETE
Full Financial Overhaul
12 months catch-up + QBO setup
$3,500
Can be included in loan proceeds*
- 12-month transaction catch-up and reconciliation
- Full 3-statement package P&L balance sheet cash flow
- QuickBooks setup with chart of accounts
- 6 months post-cleanup bookkeeping support
- CPA collaboration-ready file
Overhaul + Managed Books
FULL SERVICE
Full cleanup + 6-month managed bookkeeping
$4,800
Can be included in loan proceeds*
- Everything in Full Financial Overhaul
- 6 months of monthly managed bookkeeping post-close
- Monthly close process and reporting
- Habit-building before handoff
Fee can be built into your loan — no out-of-pocket cost at engagement.
LedgerLine's fee can be listed as a professional services line item under your loan's use of funds. You engage us now, we deliver lender-ready books, and payment is disbursed from loan proceeds at or after closing — the same model used by title companies and third-party inspectors.
* Fee inclusion in loan proceeds is subject to lender approval and loan program eligibility. Not all loan types or institutions permit professional services fees to be structured within loan proceeds. Confirm with your lender prior to engagement. SBA loan program restrictions may apply.
If your lender doesn't approve the fee in loan proceeds — we still have you covered.
Not every lender or loan program allows professional services fees to be included in proceeds. If that's the case for your loan, LedgerLine offers flexible direct payment options so your application doesn't stall over the cost of getting your books in order.
Pay in full
Pay the package fee directly before or at the start of the engagement. Work begins immediately.
Split payment
50% at engagement, 50% upon delivery of your completed financial package.
Payment plan
For qualifying clients, structured monthly payments are available. Discussed and agreed upon during the assessment call.
Payment structure is discussed on your free assessment call. LedgerLine's goal is to make sure cost is never the reason your loan application doesn't move forward. Call (402) 819-7503 to talk through your options.
What we deliver
Lender-ready financials from top to bottom.
Every engagement ends with a complete, clean financial package your lender can act on immediately.
Financial cleanup & catch-up
Reconcile months or years of backlogged transactions. Correct miscategorized expenses. Get your books to reflect what your business actually did.
Loan-ready P&L, balance sheet & cash flow
Three-statement package formatted to lender and underwriting standards — not a raw export, a properly prepared financial document.
Tax preparation & filing
Most lenders require two years of business and personal returns. If you don't have a CPA, LedgerLine prepares and files them — fully aligned with your cleaned books.
QuickBooks setup & monthly close
Walk away with a real bookkeeping system — chart of accounts, categorization rules, and a monthly close process you can maintain or hand off.
How it works
From messy books to loan approval.
A clear four-step process designed to move fast and cause as little disruption to your business as possible.
1
Assessment call
We review your situation, scopes the work, and gives you a clear timeline and package recommendation.
2
Cleanup & build
We reconcile your books, correct the records, and build the full financial package your lender requires.
3
You apply
Submit a complete, lender-ready financial package — clean books, aligned returns, formatted statements.
4
Loan closes
LedgerLine fee paid from loan proceeds where approved. You walk away with funding and a working bookkeeping system.
Common questions
What business owners ask us most.
What types of loans do you work with?
LedgerLine works with SBA 7(a), SBA Microloan, CDFI loans, and community bank and credit union business loans. If your lender requires organized financials and clean books, LedgerLine can help.
How far back do you go with cleanup?
The Starter package covers up to 6 months. The Full Overhaul covers 12 months — which is what most lenders require. If you need more than 12 months, we will scope that on the assessment call.
My books are a complete mess. Is that okay?
Completely okay — honestly, it's the norm. Most of the business owners we work with haven't had anyone keeping a close eye on their books, and life gets busy. There's no judgment here, only solutions. A messy set of books is exactly what a QBO cleanup is designed for. Whether your last reconciliation was six months ago or six years ago, we've seen it and we know how to fix it. Our job is to take the chaos off your plate and hand you back a set of books you can actually trust. You don't need to clean anything up before reaching out. Come as you are.
What exactly happens during a QBO cleanup — and what do I need to do?
A QBO cleanup is a thorough review and correction of your QuickBooks Online file. We go through your transactions, categorizations, account reconciliations, and chart of accounts to make sure everything is accurate and organized. From your side, here's what it looks like: you'll complete a short intake form so we understand your business, we'll request access to your QBO file, and we may ask for bank or credit card statements to reconcile against. You might answer a few clarifying questions along the way — that's it. We handle the rest. Most clients are surprised by how little they actually have to do once we get started.
Call or text
(402) 819-7503
Ready to get your books loan-ready?
Start with a free 15-minute assessment call. We will review your situation and tell you exactly what's needed.
hello@ledgerlineaccounting.com
Schedule
Book a free 15-min call on Calendly.