10/09/2026
Your banker asks for a trailing 12 month income statement. Can you produce it this week?
That question sits underneath every line of credit application, and it usually sets the timeline. The package a lender underwrites is short: a trailing 12 month income statement, a current balance sheet, accounts reconciled through last month, a forward view of cash, and an explanation of the variances that does not begin with a guess.
Hand that over without a scramble and the conversation moves to terms. If you cannot, the work is finding out what is missing while there is still room in Q4 to fix it.