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For commercial banks · credit unions · private lenders

Your whole book.
One living statement.

LivePFS replaces the annual PFS chase. Borrowers keep one living statement up to date and can refresh it on demand; your lending team receives it dated, with every line’s source labeled, and with their permission.

Request access

Invitation-only

Hands hold a tablet showing an illustrative LivePFS lender book — example relationship rows with names, statuses, and net worths and an example total value, not actual customer data — beside coffee on a warm oak desk
A lender holds a phone showing an illustrative LivePFS verification screen above a printed statement on a warm oak desk — an example scene, not an actual review

Verified at the source

Know exactly what’s verified.

Every line on a LivePFS statement carries its source. Balances synced from banks and brokerages arrive read-only and are labeled connected, naming the bank or brokerage and the sync date; anything the borrower entered by hand is labeled manual. Your team sees exactly which is which.

How it works

From your borrower to your file.

A phone resting on a linen notebook shows an illustrative LivePFS net-worth screen with example balances — not customer data — in soft morning light

Your borrower keeps one statement

One living PFS — balances arrive read-only from their banks and brokerages, update automatically, and refresh on demand.

A lender taps an illustrative LivePFS client list on a tablet — an example statement row with its as-of date and figures, not actual customer data

You receive it when you ask

Dated, refreshed by your borrower on demand, and shared on your review calendar — only with the borrower’s explicit, revocable permission.

Hands hold a tablet showing an illustrative LivePFS statement-verified screen for an example relationship — fictional name and figure, not actual customer data — beside a phone with a verified check

You verify and file

Confirm any statement is genuine at livepfs.com/verify and keep it in your file. Receiving and verifying is free for lenders.

The problem you already know

The chase.

Every annual review starts with an email your borrower doesn’t want to answer, about a form nobody enjoys, that both sides know is stale on arrival.

The re-keying.

A handwritten statement arrives, and someone on your team types it — again — into your spreading system. Days pass. Errors creep in. Nobody checks the math twice.

The decay.

The moment a PFS is signed it starts aging. Twelve months later you’re making decisions on a photograph of a finish line somebody crossed a year ago.

The big ones

Risk

The fraud you can’t see.

A handwritten PFS can carry overstated assets, unverifiable numbers — or outright fraud — and you have no way to check.

With LivePFS

  • Connections are verified.
  • Balances come directly from the borrower’s banks and brokerages, read-only.
  • Every hand-entered line is labeled manual, so nothing unverified wears a verified badge.

Growth

The business you never see.

Every day in your book, activity is happening at banks and brokerages you’re completely blind to. The borrower who just received a $50 million wire from selling their business. The new real estate acquisition that just happened and is awaiting permanent financing.

With LivePFS

  • The true, global picture — kept up to date by your borrower.
  • The full borrower picture — every account they hold, every property, across all the banks and brokerages they work with.
  • Updated every day and refreshable on demand, so your team is first, not last.

What LivePFS does

The statement stays lender-ready. The chase stops existing.

Borrowers keep one personal financial statement up to date — every line labeled by source, lender-ready, and refreshable on demand. You receive it on your review calendar — dated, certified, and shared only with the borrower’s explicit, revocable permission. The borrower side is live in production today at livepfs.com.

A lender at a desk views an illustrative LivePFS book overview on a desktop monitor — example client counts and totals, not an actual book

Invitation-only

Request access.

We work with a small number of lenders directly. Tell us who you are and we’ll walk your team through the product, the security documentation, and the pilot design — shared under NDA, not published here.

Enterprise pricing — contact us.

We read every request.

Were you sent a statement?

Receiving and verifying is free.

If a borrower sent you a LivePFS statement, you need nothing from us to use it. Confirm the document is genuine at livepfs.com/verify, then keep it in your file like any other PFS. Receiving and verifying statements is free for lenders, forever.

Verify a statement
A tablet and phone on a sunlit oak desk show illustrative LivePFS screens confirming a statement is verified — example screens, not actual customer data

LivePFS is not a consumer reporting agency and does not make or recommend credit decisions; lenders remain solely responsible for underwriting judgment. Borrower data is shared only with the borrower’s explicit, revocable permission.