Bank Statement Converter for Pet Boarding and Daycare Business Loans

Pet boarding facilities and doggy daycares applying for SBA loans, facility financing, or working capital must show consistent occupancy-driven revenue, manageable staffing costs, and adequate reserves to weather slow seasons. Converting your business bank statements to Excel gives lenders the transaction-level data they need without requiring them to manually calculate revenue from raw PDF statements.

Key Benefits

• Show overnight boarding revenue and daycare day pass deposits as recurring income streams
• Document grooming add-on services, retail sales, and training income as supplemental revenue
• Demonstrate that staffing costs — your primary variable expense — are covered by boarding revenue
• Track holiday and summer peak revenue versus January and February lows to establish an annual cash flow profile
• Provide a 24-month Excel workbook that shows the seasonal revenue pattern lenders use for annual averages

How It Works

1. Step 1: Upload PDF business bank statements covering the last 12–24 months from your facility's primary account
2. Step 2: The converter extracts all boarding payments, daycare fees, grooming revenue, and payroll runs
3. Step 3: Download Excel and categorize: overnight boarding, daycare, grooming, training, retail, payroll, rent
4. Step 4: Attach the categorized workbook with your occupancy reports to your SBA or commercial lender

Frequently Asked Questions

Does a pet boarding facility qualify for SBA financing to buy or build a facility?

Yes. Pet boarding facilities qualify for SBA 7(a) loans for equipment and working capital, and SBA 504 loans for real estate purchases or construction. Both require 24 months of bank statements showing stable revenue. USDA Business & Industry loans are an option if your facility is in a rural or suburban area.

Our boarding revenue spikes during holidays and drops in slow months. How do lenders handle the volatility?

Lenders annualize your revenue — they care about your 12-month total, not your worst month. The key is showing that your slow-month revenue still covers fixed costs like rent and minimum staffing. A 24-month average that stays positive every single month is the ideal profile.

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