First report free — limited-time offer, ends November 10, 2026 92 days left

For Independent SBA Loan Advisors

Cash flow add-backs without the enterprise price tag.

Most SBA tools online are payment calculators — they tell you what a monthly payment looks like, not whether the business's real cash flow supports it. IncomeReady does the add-back math (owner comp, depreciation, one-time expenses) from actual bank statements, self-serve and priced in the open.

First report free — ends Nov 10, 2026

Calculate your first report free See what it actually calculates

No contract · No LOS integration · No sales call

QUALIFIED

Bank statement — Sept

09/03Client Payment — Rivas LLC$4,120✓ Income

09/07Transfer — Savings$1,000✗ Excluded

09/12Client Payment — Ortiz Co$3,860✓ Income

09/22Mobile Check Deposit$2,240✓ Income

Monthly qualifying income$7,614

What's actually being calculated

A payment calculator vs. a cash flow calculator

Most free SBA tools you'll find online only estimate a monthly payment from a loan amount, rate, and term. They don't touch the borrower's actual bank activity — which is the part that decides whether the deal makes sense in the first place.

	IncomeReady	Typical Free SBA Payment Calculator
Reads real bank statements	Yes — CSV or PDF	No, manual inputs only
Cash flow add-backs (owner comp, depreciation, one-time items)	Yes, editable	Not included
Atypical deposit flagging	Yes	Not included
Self-serve signup	Yes	Usually yes
Public pricing	$0 → $50–80/report	Usually free
Branded, exportable report	Yes, included	Rarely

Three programs, one workspace

The same engine, tuned for how you work

SBA is one of three deal types the qualifying-income engine handles — switch programs without switching tools.

SBA — you are here

Cash flow & DSCR analysis for SBA advisors

The add-back methodology, applied to SBA underwriting — where today only payment calculators exist.

SBA loan income calculator SBA DSCR calculator SBA cash flow add-backs

Mortgage

Self-employed income, from real bank statements

Cash-flow based qualifying income for 1099 and self-employed borrowers. See the Mortgage page →

self-employed income calculator bank statement income calculator

M&A

Acquisition cash flow, in a language buyers trust

Seller discretionary earnings from real deposits. See the M&A page →

seller discretionary earnings business acquisition cash flow

The actual workflow

From statement to signed report

Add the client

Business name, industry — suggested automatically as you type.

Upload the statement

CSV or PDF. Read and categorized in seconds.

Review & correct

Fix one payee, fix every occurrence in the batch at once.

Calculate

Lookback period and expense factor, fully editable.

Export the report

Branded PDF — your logo, your NMLS number.

Priced in the open — on purpose

No demo call to find out what it costs

Limited-time First report

No card required.

Free offer ends Nov 10, 2026

Full categorization & review
One branded PDF report
Any product type — mortgage, SBA, or M&A

Most advisors land here Pay per report

$80^/report

No commitment, no monthly fee.

Everything in your first free report
Unlimited clients in your workspace
Atypical deposit flagging

Membership

$50^/report

For advisors running volume monthly.

Everything in pay-per-report
Lower per-report cost, no cap
Priority document processing

What we don't have yet — said plainly

Earning trust without the brand history

We don't have twenty years of SBA lending data behind us. Here's what we do instead.

Data isolation, per workspace

Every client's documents and calculations stay scoped to the advisor who uploaded them — nothing crosses between accounts.

Two-factor authentication

Optional, and enforced on request, for any account handling borrower financials.

Editable, visible assumptions

Add-back factors and lookback periods are shown and editable, never hidden inside a black-box score.

Flagged, not buried, anomalies

Atypical deposits are surfaced for the advisor to explain — not silently included or excluded.

What this tool is, and isn't: IncomeReady calculates cash-flow-based qualifying income and add-backs from bank statements. It does not replace your lender's official SBA underwriting process (SOP 50 10) or a CPA-prepared cash flow analysis, and using it does not carry any approval guarantee from the SBA or any lender. Always confirm figures against your lender's requirements.

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