The same rebuild every quarter
Each period you reassemble the statement manually — pull balances, recompute net worth, reformat for the bank. Then you do it again next quarter.
For borrowers with reporting covenants
The quarterly PFS, already up to date.
Your covenants ask for a fresh personal financial statement every quarter or year. Create your LivePFS once and it stays up to date on its own — balances refresh daily and a current copy is emailed to you every month, before anyone asks.
7-day free trial, then $19/month or $190/year. Manual entry is always free.
- Read-only connections
- Encrypted at rest
- Never sold
Covenant reporting is a recurring fire drill
Certifying last week’s numbers
A hand-built PFS is a snapshot. By the time you finish it, balances have moved, and you’re signing a figure that was true a week ago.
Proving you’re still in compliance
Minimum-liquidity and net-worth covenants need a clear answer on demand. Digging it out of statements under a deadline is no way to learn where you stand.
Hand-keyed figures invite questions
Typed numbers spark back-and-forth with your banker. Values that come straight from connected accounts don’t.
The fix
Create it once. Every reporting period is covered.
Connect your bank, brokerage, and loans once, read-only, and add what providers can’t reach manually. From then on your PFS stays up to date on its own — balances refresh daily, and a fresh statement is emailed to you every month. When the covenant deadline lands, the statement is ready, not started.
- A PFS that’s always up to date — balances refresh daily from connected accounts
- A fresh statement auto-emailed every month, a standing reporting cadence
- Net worth and liquidity at a glance, measured against the covenant
- Export a lender-ready PDF on demand, password-protected if you choose
- Share with your banker through a secure link you can revoke
Every export carries a scannable QR certificate — open the example to see it.
How it works
A lender-ready PFS in minutes
Connect your accounts once
Link your bank, brokerage, and loans read-only through Plaid and SnapTrade. Add real estate, business interests, and private holdings manually.
It stays up to date
Balances refresh daily from connected accounts. Net worth and liquidity recalculate on their own, so the statement is always reporting-ready.
Report without the scramble
Take the monthly auto-emailed statement, or download a fresh password-protected copy on demand, and share it through a secure revocable link.
What you get
Everything a lender expects, kept current
Up to date every day
Balances refresh daily from your connected bank, brokerage (including Charles Schwab), and loan accounts. The PFS reflects today’s position, not the day you last filled out a form.
Monthly cadence, built in
A fresh statement arrives in your inbox every month. Your reporting cadence runs on its own — nothing to remember or kick off.
Fresh export on demand
Need a current copy for the bank today? Download a lender-ready PDF or a formula-driven Excel with a click, whenever the reporting period calls for it.
Net worth and liquidity at a glance
See total assets, liabilities, net worth, and liquid balances clearly, so you can confirm you’re inside your minimum-net-worth and liquidity covenants before you certify.
Password-protected statements
Protect any exported PDF with a password before it leaves your hands, so the financial detail stays for the lender’s eyes only.
Secure, revocable sharing
Send your banker a secure link to the current statement, and revoke access once the reporting period is closed.
Read-only, encrypted, borrower-owned
Connections are read-only — LivePFS can see balances, never move money. Your data is encrypted at rest with managed keys, owned by you, and never sold. You decide who sees the statement, you can revoke any share link at any time, and every exported PDF carries a QR verification certificate your banker can scan to confirm it’s genuine.
Questions, answered
Once your accounts are connected, LivePFS emails you a fresh, current PFS every month. Nothing to schedule or trigger — it gives you a standing reporting cadence, so a ready statement is on hand when a covenant deadline arrives.
Connected balances refresh every day, so the PFS reflects your current position whenever you open it — not just at month-end. Download a current copy any time the bank asks.
Yes. Any exported PDF can be password-protected before it leaves your hands, so the financial detail stays for your lender’s eyes only.
Yes. Send your banker a secure link to your current statement, and revoke that access whenever the reporting period is closed. You can also export a lender-ready PDF or formula-driven Excel to send directly.
Yes. LivePFS shows total assets, liabilities, net worth, and liquid balances clearly, so you can confirm you’re inside your minimum-net-worth and liquidity covenants at a glance before you certify.
Add them manually. Real estate, business interests, and private investments sit alongside your connected accounts, entity- and ownership-aware for LLCs, trusts, and joint holdings. Manual entry is always free.
Meet the next covenant deadline without the scramble
Create your PFS once and it stays up to date — refreshed daily, emailed monthly, downloadable any time. Free for 7 days, no charge until day 7.
7-day free trial, then $19/month or $190/year. Manual entry is always free.