Bank Statement Converter for Tenant Improvement Loans

Business tenants financing retail, restaurant, medical office, or professional office buildouts can convert bank statement PDFs to Excel or CSV to document existing business revenue for tenant improvement (TI) loan qualification. Essential for SBA 7(a) loans covering lease buildout costs when the landlord's TI allowance is insufficient, and for equipment and buildout financing when opening a new business location in leased commercial space.

Key Benefits

• Business revenue documentation for tenant improvement loan qualification
• SBA 7(a) buildout loan documentation for retail and restaurant tenants
• Medical office buildout financing documentation for healthcare tenants
• Landlord TI allowance gap financing documentation
• New business location opening cost financing for expanding businesses

How It Works

1. Step 1: Upload business bank statement PDFs (12–24 months)
2. Step 2: Select Excel output
3. Step 3: Document existing location revenue supporting the expansion financing
4. Step 4: Submit to SBA lender with lease agreement, buildout plans, and cost estimates

Frequently Asked Questions

How do business tenants qualify for SBA loans to cover buildout costs?

Tenant improvement costs — construction, HVAC modifications, plumbing, electrical, flooring, signage — for commercial leases can run $50,000–$500,000+ for restaurants and medical offices. SBA 7(a) loans cover TI costs for businesses expanding to new locations. Export 24 months of business bank statements from the existing location to show revenue sufficient to service the TI loan. SBA lenders evaluate whether the new location will generate additional revenue — provide realistic pro formas alongside the existing location bank statement history. Landlord TI allowances ($20–$50/sq ft typical) often cover only a fraction of buildout costs, making TI financing necessary.

Can new businesses with no revenue history qualify for TI financing?

New businesses opening their first location face significant TI financing challenges — no business bank statement history and no proven revenue. Options include: SBA 7(a) startup loans using personal bank statements to document the owner's financial capacity (personal income, savings, existing business income), equipment financing for specific buildout components, and landlord-provided TI financing amortized into the lease payments. Export personal bank statements to show liquid capital and stable personal income sufficient to support both personal living expenses and the new business startup period. Personal guarantee from a creditworthy owner is required for startup TI financing.

Convert TI Loan Statement Free