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Get Your Financial Statements Reviewed for Lending
Lender-ready financial statements. On time, with less work for your team.
Independent assurance services • CPA firm expertise • Southern California-based
- Peer-reviewed (PASS)
- Licensed in California
- Trusted by lenders
- Reviews start at $10k
What Your Lender Actually Gets
CPA Review Report
The official conclusion letter most lenders ask for from a licensed CPA firm.
Reviewed Financial Statements
Balance Sheet, Income Statement, Cash Flows, and Notes prepared to professional standards.
Management Rep Letter
We provide the template for you to sign, ensuring compliance with review standards.
Adjustments Summary
Short tie-outs summary showing how key numbers were verified and validated.
Trend Analysis
Optional ratio highlights many underwriters appreciate - brief, focused insights.
Why Choose GS Accountancy?
Clear Timelines
Fixed schedule set on Day 1 - no surprises.
Tailored Reports
Peer-reviewed, lender-ready, focused on your business.
In-Depth Reviews
Detailed analytical procedures for real insights.
Industries We Help
On-Time Delivery
Engagement dates scheduled upfront and tracked to completion. Prep list sent Day 0 with due dates.
Less Work for Your Team
Clear prep list, weekly check-ins, and coaching for first-year clients. Single secure upload link.
Proven Quality
Peer-reviewed with a "Pass" rating under CPA review standards. Partner-led engagement oversight.
Transparent Pricing
Reviews start at $10k. First-year reviews may cost more - we'll explain that before you commit.
Typical Timeline (First-Year)
Day 0
Kickoff Call
Dates set, lender requirements confirmed, prep list issued
Week 1
Planning & Analytics
First Q&A session and analytical procedures begin
Weeks 2-3
Fieldwork
Gather sales journals, exemption certificates, purchase invoices (use-tax), reconcile reports, prepare exhibits.
Weeks 4-5
Partner Review
Partner review and management representation letter
Weeks 4-6
Report Release
Final report delivered (aiming for Day 0 date)
If your bank or funder requires independent assurance that your financial statements are fairly presented → a review is usually enough.
Reviews are faster and less intensive than audits, while still giving lenders confidence.
Not sure? We'll confirm what your lender actually requires before you commit.
We're a Good Fit If...
- You want clear communication and agreed timelines.
- A finance contact is available to coordinate prep items.
- You're open to our process and weekly check-ins.
We're Not the Right Fit If...
- You need bookkeeping from your reviewer (we must remain independent)
- Timeline is unrealistic and deadlines won't be met.
- You're unable to provide confirmations or prior records.
Before You Commit
We confirm your lender accepts a review (not an audit) and agrees on the reporting basis (GAAP, income-tax basis, or cash-basis). We also confirm the period (annual or interim) and whether they need consolidated statements.
Why:Â Prevents surprises. In simple terms: we check the lender’s checklist first so you don’t pay for the wrong thing.
Frequently Asked Questions
What documents will CDTFA ask for?
Sales journals, exemption certificates, bank statements, POS data, purchase invoices, and shipping docs.
How long does the audit take?
Most audits last 3–12 months, depending on scope, records, and CDTFA’s requests.
What if exempt sales/support is missing?
We help reconstruct or organize what you have and address sampling requests.
Can penalties be reduced?
Yes, penalty abatement may be available where CDTFA rules allow.
What if we disagree with the auditor?
We can pursue appeals and payment plans where eligible.
Do you help with payment plans?
Yes, we assist in negotiating manageable payment arrangements when needed.
No guaranteed outcomes
We represent businesses before California EDD and present options including abatement requests, payment plans, and appeals where eligible.
