Quick answer: Mortgage brokers, lenders and equipment financers send us self-employed and incorporated clients stuck on accounting: missing year-ends, rejected statements, or an unfiled T2. We produce what underwriting needs — compilation engagements — on deal timelines, and refer clients seeking loans to brokers and lenders who send work here. No fees either way.
On this page
The file that stalls, and why
Self-employed applicants stall on accounting: an unfiled year-end, owner pay as dividends the calculator did not warn them about, statements an underwriter reads as fiction. Resubmitting fixes none of it. A CPA producing the missing pieces properly does, as a defined engagement with a date.
What we produce for a deal
- Compilation engagements with the professional standards behind them — what “accountant-prepared statements” means when a lender says it. What they are and are not is set out in what a compilation engagement is, honestly.
- Overdue filings, sequenced — catch-up scoped as a one-time job with a stated finish date your deal timeline can rely on.
- A straight answer fast when the honest answer is that a file cannot be made lendable this quarter. Brokers value the fast no more than the slow maybe.
What flows back
Clients buying buildings, trucks or competitors ask us who to call. We refer, not broker, to the brokers and lenders whose stuck files we fix: reciprocity, no fees, incentives a compliance officer can follow.
What a lender reads is the statement file, and the year-end statements lenders are sent is where it is prepared.