Fernandes & Company prepares lender-ready personal financial statements for CRE borrowers, sponsors, and owners. Two ways to engage: a one-time PFS standardization that rebuilds your statement into the format credit teams expect, or a continuously maintained PFS with a live tracking dashboard and monthly summary memo — so you're financing-ready the moment an opportunity appears.
The PFS is the first document a credit team reads about you. A clean, consistent, verifiable statement — assets and liabilities tied out, real estate matching the SREO, liquidity clearly identified — speeds underwriting and strengthens your borrower profile. A messy one slows every deal you'll ever finance.
A one-time rebuild: your financial position organized and normalized into a lender-ready format, tied to your SREO, with contingent liabilities properly disclosed.
Continuously maintained monthly, with a live tracking dashboard and a monthly summary memo packaged for immediate lender and partner review.
Your Schedule of Real Estate Owned standardized alongside the PFS so the two documents agree — the first thing a credit analyst checks.
Sponsors with active pipelines, owners who refinance across a portfolio, and any borrower whose PFS gets requested more than once a year. Lenders also engage us to standardize borrower PFS files on their side of the desk — the same discipline, applied to intake.
Prepared by an investor-operator with 250+ transactions closed as a principal — someone whose own PFS has been through lender scrutiny for years. The format reflects what credit teams actually verify, not a generic template.
A clear, consistent statement of assets, liabilities, and net worth with real estate holdings tied to a matching SREO, liquidity clearly identified, and contingent liabilities disclosed — in a format the credit team can verify quickly.
Standardization is a one-time rebuild into a lender-ready format. The maintained option keeps it current monthly and adds a live tracking dashboard and monthly summary memo — so you never scramble when a financing or investment opportunity appears.
Your current PFS or a list of assets and liabilities, statements supporting major positions, and your SREO if you own real estate. Messy or incomplete files are normal — organizing them is part of the work.
Flat fee for one-time standardization; monthly retainer for the maintained PFS with dashboard and memo. Both quoted on a complimentary consultation call.
Send what you have. We'll tell you what a lender will flag — and fix it.
Schedule a ConsultationNo commitment. No pressure. Just a straight conversation.