For loan officers, brokers & lending teams — income documentation for self-employed borrowers
P&L preparation for bank statement loans & self-employed files

Your borrower's bank statements in.
An underwriting-ready P&L out.

Maryland Biz Bookkeeper is a Maryland-based bookkeeping service, and this desk is built for LOs and brokers. We turn raw bank statements into a clean, Schedule C-aligned profit & loss statement for bank statement loan programs and other self-employed income documentation — so your files stop stalling on income docs. Based in Rockville, serving loan officers across Montgomery County, Maryland, and remotely nationwide.

Send your first file — free See the rate sheet →
TURNAROUND: · human-reviewed before it reaches you

How it works

Your borrower does almost nothing. You stay in the loop, not in the weeds.

STEP 1 / YOU SEND

Submit the file below

Tell us the borrower scenario. We reply with a secure upload link for 12–24 months of personal or business bank statements — PDFs or CSVs, straight from the borrower or from you.

STEP 2 / WE BUILD

We prepare the P&L

Deposits analyzed, expenses categorized to Schedule C standards, owner draws and transfers separated out. Every P&L is reviewed by a human before delivery.

STEP 3 / YOU CLOSE

Drop it in the file

You receive a clean PDF formatted for underwriting, plus the categorized detail behind it if your underwriter asks questions. Your file keeps moving.

Rate sheet

Flat rates. No subscriptions, no minimums, no per-seat anything. You pay per file, or your borrower pays directly — your call.

MARYLAND BIZ BOOKKEEPER · LENDER RATE SHEET EFFECTIVE UNTIL REVISED
★ Most common

12-Month P&L

per borrower file · 12 months of statements
  • 12 months of personal or business bank statements analyzed
  • Schedule C-aligned categorization
  • Owner draws & transfers separated from income
  • Reviewed by a human before delivery
  • Underwriter question support on the file
Send a 12-month file
Full lookback

24-Month P&L

per borrower file · 24 months of statements
  • 24 months of personal or business bank statements analyzed
  • Everything in the 12-month P&L
  • Year-over-year view for income trend questions
  • Matches 24-month bank statement program requirements
Send a 24-month file
NO SUBSCRIPTION · PAY PER FILE
Your first P&L is free — 12 or 24 months, your pick.
Pick your most stuck self-employed file and judge the output before you pay a dollar.
Claim the free file

What lands in your inbox

A document your underwriter can actually work with — not a spreadsheet dump.

The P&L itself

  • Monthly and trailing-period views (12 / 24 months)
  • Revenue by deposit source, expense lines mapped to Schedule C categories
  • Net income summary suitable for income calculation worksheets
  • Clean PDF, consistent format file after file

The backup behind it

  • Categorized transaction detail supporting every line
  • Notes on excluded items (transfers, owner draws, one-offs)
  • Preparer contact for underwriter questions
  • Revisions if the underwriter needs a different period cut

Loan officer FAQ

The questions we hear from LOs and brokers about third-party P&L preparation.

What is a P&L for a bank statement loan?
Many bank statement loan programs let a self-employed borrower qualify using 12 or 24 months of bank statements plus a profit & loss statement, instead of tax returns. The P&L organizes the borrower's deposits and business expenses into a standard income picture — ours are categorized to Schedule C standards with owner draws and transfers separated out.
Can a third-party bookkeeper prepare the P&L for my borrower?
Many bank statement programs accept a P&L prepared by a third-party bookkeeping or tax professional rather than the borrower themselves — but requirements vary by lender and program, so check your specific guidelines. We prepare P&Ls as a bookkeeping service, deliver them with preparer contact information, and support underwriter questions on the file.
Do I need a 12-month or 24-month P&L?
It depends on your program: 12-month bank statement programs need a P&L covering the same 12 months, while 24-month programs use the longer lookback — which also gives underwriting a year-over-year view when income trends are in question. We prepare both ( for 12 months, for 24).
How fast is turnaround?
from the time we receive complete statements, and every P&L is reviewed by a human before it reaches you. Rush situations — clear-to-close dates, expiring locks — flag it in the intake form and we'll tell you honestly whether we can hit your date.
Do you only work with Maryland loan officers?
We're based in Rockville and work in person with loan officers across Montgomery County — Bethesda, Gaithersburg, Silver Spring, and the wider DMV. The work itself is fully remote-friendly, so lenders anywhere in the U.S. can send files.
What does it cost?
Flat per-file rates: for a 12-month P&L, for a 24-month P&L. No subscriptions or minimums, and your first file is free so you can judge the output before paying anything.

Send a file

Takes two minutes. We reply within one business day with a secure upload link for the borrower's statements.

Don't attach or paste borrower documents here — we'll send a secure upload link after you submit.