How a CPA Helps You Prepare for Business Financing and Loans

Securing financing is a major milestone for any business — whether you're launching a new venture, expanding operations, or purchasing equipment. But getting approved for a loan isn't just about having a good idea; it's about having your financial house in order.

That's where a Certified Public Accountant (CPA) can make all the difference.

At Luna CPA, LLC, we help businesses in Laredo, TX prepare for bank financing, investor funding, and SBA loans by ensuring their financials are accurate, compliant, and ready to impress lenders.

1. Organizing Accurate Financial Statements
   When you apply for business financing, lenders and investors want to see reliable financial records that reflect your company's true financial position.
   
   A CPA ensures that your:

• Balance Sheet shows assets, liabilities, and equity clearly.
• Profit & Loss Statement reflects real income and expenses.
• Cash Flow Statement demonstrates your ability to manage liquidity.
  
  These documents form the foundation of your loan application and show lenders that your business operates professionally.
  

2. Ensuring Compliance and Transparency
   Banks and the Small Business Administration (SBA) require financial documentation that adheres to Generally Accepted Accounting Principles (GAAP).
   
   CPAs are trained to prepare statements that meet these standards, ensuring consistency and accuracy. When your reports are CPA-prepared, lenders are far more likely to view your application as trustworthy.
   
3. Improving Financial Ratios and Creditworthiness
   Before you apply for financing, your CPA can evaluate key performance metrics such as:

• Debt-to-Income (DTI) ratio
• Current ratio (liquidity)
• Profit margins and cash reserves
  
  If these numbers fall short, your CPA will recommend adjustments — such as paying down liabilities, restructuring debt, or improving accounts receivable management — to strengthen your application.
  
  At Luna CPA, LLC, we help Laredo businesses identify these areas early so they can apply with confidence.
  

4. Preparing Loan Application Packages
   Applying for a business loan involves more than submitting financial statements. Lenders typically request:

• 2--3 years of business tax returns
• Current and prior-year financials
• Bank statements
• Business plans and projections
• Personal financial statements (for owners)
  
  A CPA can assemble, review, and present this information in a professional format — reducing delays and increasing your approval chances.
  

5. Creating Financial Projections
   Most lenders want to see not just your current numbers, but your future potential.
   
   CPAs prepare detailed financial projections that include:

• Revenue forecasts
• Expense assumptions
• Cash flow expectations
• Break-even analysis
  
  These projections show that your business has a realistic growth plan and understands how to manage capital responsibly.
  

6. Guidance on SBA and Specialized Loans
   SBA loans often require extensive paperwork and financial justification. A CPA can help you navigate these requirements, including:

• SBA Form 413 (Personal Financial Statement)
• Business Debt Schedule
• SBA Form 1919 (Borrower Information Form)
  
  Having a CPA involved ensures every form is complete and accurate, preventing costly delays or denials.
  

7. Enhancing Business Credibility
   Lenders are more confident approving loans when they see that a CPA is involved in preparing your financials. It demonstrates professionalism, accountability, and financial discipline — three qualities banks value highly.
   
8. Post-Financing Support
   After you secure financing, a CPA continues to provide support by helping you:

• Track how funds are used
• Monitor loan covenants and compliance
• Evaluate ROI on financed projects
• Prepare for future rounds of funding
  
  At Luna CPA, LLC, we don't stop once your loan is approved — we stay with you to ensure ongoing financial stability and growth.
  
  Final Thoughts
  Financing can be a turning point for your business — but success depends on preparation and accuracy. With CPA guidance, your financial statements tell a story of strength and reliability that lenders can trust.
  
  If you're seeking funding in Laredo, TX, let Luna CPA, LLC help you prepare a financing package that sets you apart. From loan readiness to long-term strategy, we make sure your business is ready for the next step.
  
  Luna CPA, LLC
  Certified Public Accountants in Laredo, Texas — helping businesses secure funding with confidence and financial clarity.