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 lender-ready.
Your covenants ask for a fresh personal financial statement every quarter or year. Create your LivePFS once and it updates itself — balances update every day, refresh in seconds when you need them, and a current copy is emailed to you every month, before anyone asks.
Peace of mind and time savings when it matters most.
Eligible new subscribers: 7-day free trial, then $190/year for Standard or $290/year for Pro. Card required. Cancel anytime in the first 7 days and you won’t be charged. Compare plans
- Read-only connections
- Encrypted at rest
- Your data, 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 updates itself every day, refreshes in seconds whenever you need it, 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 lender-ready — connected balances update every day and refresh on demand
- A fresh statement auto-emailed every month, a standing reporting cadence
- Net worth and liquidity at a glance, ready to check against your covenants
- Export a lender-ready PDF on demand, password-protected if you choose
- Share with your banker through a secure link you can revoke
Every PDF 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 through secure read-only connections. Add real estate, business interests, and private holdings manually.
It updates itself
Balances update every day from connected accounts and refresh in seconds before a deadline. 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, ready when they ask
Updated every day, refreshed on demand
Connected bank, brokerage, and loan balances update every day and refresh in seconds before you certify. The PFS reflects your 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
With an active subscription, LivePFS emails you a fresh PDF of your PFS every month. Set a PDF password in the app and it arrives encrypted; you can turn the email off anytime in Settings. 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 update automatically every day, and you can refresh them in seconds whenever you open the statement for a report. 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.
Meet the next covenant deadline without the scramble
Create your PFS once and it stays lender-ready — updated every day, refreshed in seconds, downloadable any time.
Eligible new subscribers: 7-day free trial, then $190/year for Standard or $290/year for Pro. Card required. Cancel anytime in the first 7 days and you won’t be charged. Compare plans