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A business owner decides they are ready to expand. They want new equipment, new space, or working capital to grow in 2026… sounds great right?! They meet with a lender who is excited to support them. Then the lender asks for financial statements. The business sends what they have, but the numbers are outdated. The Balance Sheet does not reconcile. The Profit and Loss does not reflect true margins. Cash flow is unclear. Suddenly, the opportunity stumbles. The lender pauses. The deal slows. The business loses momentum. Happens to many of you small business/veteran owners out there if you aren’t managing financials!
Here is the reality. Banks do not lend on potential. They lend on proof. Your financials are the proof. If your books are messy, late, or inaccurate, lenders assume the business itself is messy, late, and inaccurate. Even if that is not true.
Before speaking to a lender, every small business and veteran owned company should make sure these areas are tight and accurate:
Current and Reconciled Books
No one trusts numbers that do not tie to the bank. Reconciling accounts proves you know exactly where your cash landed and what is real. Confidence starts with accuracy.Clear Profit Margins
Lenders want to see that you are not just selling, but selling profitably. If costs are mis-categorized or missing, margins look wrong and the lender loses interest fast.Reliable Balance Sheet
Your assets, liabilities, and equity must reflect truth. Old receivables and incorrect loan balances cause immediate red flags. A lender needs to know your financial foundation is solid….not so so.
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Cash Flow Visibility
Revenue does not pay the bills. Cash does. A simple forecast shows how the business handles growth, seasonal shifts, and downturns. Planning equals strength.Financial Statements That Match Each Other
Your bank, your statements, and your tax filings all need to align. If they do not tell the same story, lenders step back.
You should never miss a growth opportunity because the books were not ready. When veterans and small business owners run disciplined financial operations, lenders respond with trust and support. Clean numbers open doors.
If you have goals in 2026 that require capital, reply to this message. I can help you prepare your financials so you walk into that lender meeting confident, organized, and ready to say yes to growth.
Sponsoring the Cash Flow Chronicles today is ROKU
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Veteran business owner? Take command of your cash flow and tighten your financial systems. Join The Profit Platoon — a community built for Veterans.
