The same rebuild every quarter
Each period you reassemble the statement by hand — pull balances, recompute net worth, reformat for the bank. Then you do it again next quarter.
Your covenants ask for an updated financial statement every quarter or year. LivePFS keeps your PFS current from connected accounts and emails a fresh copy monthly — so when the reporting period lands, the statement is ready, not started.
Each period you reassemble the statement by hand — pull balances, recompute net worth, reformat for the bank. Then you do it again next quarter.
A 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.
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.
Typed numbers spark back-and-forth with your banker. Values that come straight from connected accounts don't.
The fix
Connect your bank, brokerage, and loans once, read-only. LivePFS builds a lender-ready PFS and keeps it current on its own. Real estate, business interests, and private holdings are added by hand. The monthly auto-email gives you a built-in reporting cadence, so a current statement is always in your inbox when the covenant deadline lands.
How it works
Link your bank, brokerage, and loans read-only through Plaid and SnapTrade. Add real estate, business interests, and private holdings by hand. KMS-encrypted, nothing sold.
Values sync from connected accounts. Net worth and liquidity update on their own, so the statement is always reporting-ready.
Take the monthly auto-emailed statement, or export a fresh password-protected copy on demand, and share it through a secure revocable link.
What you get
Balances sync 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.
A fresh statement arrives in your inbox every month. Your reporting cadence runs on its own — nothing to remember or kick off.
Need a current copy for the bank today? Export a lender-ready PDF or a formula-driven Excel whenever the reporting period calls for it.
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.
Protect any exported PDF with a password before it leaves your hands, so the financial detail stays for the lender's eyes only.
Send your banker a secure link to the current statement, and revoke access once the reporting period is closed.
Connections are read-only — LivePFS can see balances, never move money. Your data is encrypted at rest with KMS, owned by you, and never sold. You decide who sees the statement and can revoke any share link at any time.
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.
Connect your accounts once and your reporting statement stays current — auto-emailed monthly, exportable on demand. Free for 7 days, no charge until day 7. Then $19/month or $190/year.
7-day free trial, then $19/month or $190/year. Manual entry is always free.