Financial-data translation
Translate accounting data for a lender package. Do not rebuild the ledger.
LendForma’s business-financial direction is deliberately narrow: import or enter requested summaries, preserve their source, map them into lender-facing categories, and explain adjustments.
What belongs in this layer
- Current and prior-period profit-and-loss and balance-sheet summaries.
- Comparative periods, year-to-date reporting, projections, and assumptions.
- Original account labels retained beside lender-facing normalized categories.
- Borrower explanations and broker adjustments that never overwrite source figures.
- AR/AP aging only when a selected lender template asks for it.
What does not belong
LendForma should not become a bookkeeping ledger, invoicing, payroll, bill-pay, tax-filing, receipt-management, or transaction-categorization system. QuickBooks, Xero, and other accounting systems remain the system of record.
Use accurate preparation labels
A schedule may be borrower-prepared, imported from an accounting system, or professionally prepared based on its actual origin. “Bank-ready,” audited, reviewed, compiled, or CPA-prepared must never be inferred from formatting alone.
Roadmap boundary
This translation layer follows validation of the core SBA package workflow. A 13-week cash-flow schedule remains deferred because it is more central to workouts and specialized working-capital situations than the initial SBA packaging wedge.