Lender P&L Statement
The certified profit and loss statement your mortgage lender is asking for.
If you are self-employed or a business owner and your lender needs a certified Profit & Loss statement for a mortgage, you’re in the right place.
Who needs a P&L Statement?
Lenders request a CPA-prepared Profit & Loss statement from self-employed individuals, business owners, and partners when applying for a bank statement loan for mortgage.
P&L Statement
Self-Employed
Lenders request a P&L from Schedule-C filers to confirm their sole-proprietorship income.
P&L Statement Pro
Business Owners
Lenders request LLC, S-Corp & C-Corp filers a P&L to verify their business income.
P&L Statement Pro
Business Partners
Partners need a P&L that reflects ownership percentage and their share of business income.
What does a certified P&L Statement include?
Your mortgage lender or underwriter may ask to certify any combination of these variables in the statement.
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Revenue
Gross business revenue / sales
12 rolling month totals as of August 2026
Other business income
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Expenses
Cost of goods sold (COGS)
Operating & overhead expenses
Business expense ratio
Owner draws / distributions
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