Profit & Loss Generator | LEND ON CAPITAL
Lend On Capital
256-bit SSL secured 844-902-3080

Profit & Loss Generator

Build your Profit & Loss statement

Fill in the lines that apply to your business. Totals update as you type. When you are done, we will email a clean PDF to you and to our funding team. This takes about five minutes.

A Profit and Loss statement, also called an income statement, shows whether your business made or lost money over a period of time. It starts with your revenue, subtracts your costs step by step, and ends with net income at the bottom. Lenders read it to see how the business performs and whether it can support new financing.

1

Business info

Who this report is for and the period it covers.

The period is the stretch of time your numbers cover. Year-to-Date runs from the first day of this year through today. Year-End covers a full calendar year that has already closed. Pick the one a lender asked for, or Year-to-Date if you are not sure.

Tip: Match the period to your tax return or bank statements. A lender can verify your numbers faster when the dates line up with documents you already have.

2

Revenue and income

All the money your business earned this period.

Revenue is everything your business earned during the period, before any costs are taken out. Include product sales, fees for services, and any other income. Enter what you earned, even if some invoices have not been paid yet.

Tip: Use the income figure from your books or deposits, not the cash sitting in your account today. Revenue is what you billed and earned, not your current bank balance.

Total revenue$0.00
3

Cost of goods or services

Direct costs tied to delivering what you sell. Leave blank if it does not apply.

These are the costs that go directly into what you sell, like materials, parts, and the labor tied to a specific job. They rise and fall with how much you sell. Revenue minus these costs gives your gross profit.

Trick: If a cost would disappear when you stop making sales, it usually belongs here. Rent and office salaries stay the same whether you sell or not, so those go under operating expenses instead.

Total cost of goods or services$0.00
4

Operating expenses

Your regular running costs. We have prefilled the common ones.

Operating expenses are the regular costs of running the business that are not tied to a single sale, like rent, payroll, utilities, insurance, and software. Edit the amounts, add anything missing, or remove lines that do not apply to you.

Tip: Enter the total for the whole period, not a monthly figure. For a full year, that means twelve months of rent, payroll, and the rest.

Total operating expenses$0.00
5

Other expensesOptional

Costs below the operating line, like loan interest and taxes. Skip if none apply.

These costs sit below the operating line, like loan interest and taxes. They are real, but kept separate so a lender can see how the core business performs before financing and taxes. They still reduce your final net income.

Tip: Loan principal payments do not go here, only the interest portion. Principal is paying back money you borrowed, not an expense.

Total other expenses$0.00
Net income$0.00