Sample — made-up company
Sample Document Check report
This is what a Document Check gives you, shown on a made-up company that wants a bank loan. Your own report follows the same order, for your documents and the goal you choose.
Ridgeline Robotics: Bank or SBA-backed loan
- Date
- September 30, 2026
- Funding goal
- Bank or SBA-backed loan
- Amount
- $250,000
- What the money is for
- A CNC machining cell, test fixtures and working capital.
Documents reviewed
- ridgeline-financial-statements-2023-2025.pdfFinancial statements, 2023 to 2025
- ridgeline-interim-2026-04.pdfInterim statements, January to April 2026
- ridgeline-tax-returns-2023-2025.pdfBusiness tax returns, 2023 to 2025
- ridgeline-business-plan.docxBusiness plan
- ridgeline-investor-deck.pdfPitch deck
In a real report, parts are written by an AI model (Claude, by Anthropic) from your documents, and the report says so above everything else. This sample was written by hand.
Score for this goal
75 out of 100
Close: fix these first
The lender, investor or agency decides.
The score, the label and the readiness by funding type show only on your own screen: never in an email, the downloadable PDF, a funding request or anything a lender or investor sees.
Three fixes to make first
- Revenue for 2025 differs between documents. Use the revenue from the financial statements in every document, or explain the difference in writing.
- Latest financial statement is more than 90 days old. Add a profit and loss statement and a balance sheet that end within the last 90 days.
- Balance sheet shows debt but there is no debt schedule. Add a debt schedule that lists every loan: the lender, the balance, the monthly payment and the end date.
Strengths
GreenThree full years of financial statements
Found in: ridgeline-financial-statements-2023-2025.pdf, page 1
Why it matters: The statements cover 2023, 2024 and 2025, each a full year, so a lender can see how steady the business has been.
GreenCash flow covers the loan payments 2.71 times
Found in: ridgeline-financial-statements-2023-2025.pdf, page 2; ridgeline-financial-statements-2023-2025.pdf, page 5
Why it matters: With the new loan of $250,000 at 10 years and 10% (assumed for this check, not an offer), cash available of $210,200 covers yearly payments of $77,445 about 2.71 times.
GreenThe tax returns match the statements
Found in: ridgeline-tax-returns-2023-2025.pdf, page 1; ridgeline-tax-returns-2023-2025.pdf, page 3
Why it matters: Revenue in the business tax returns for 2023 to 2025 is the same as in the financial statements.
GreenSigned purchase orders behind the plan
Found in: ridgeline-business-plan.docx, page 1
Why it matters: The business plan shows signed purchase orders of $310,000 from three drone integrators, and ownership that adds up to 100%.
All issues
RedRevenue for 2025 differs between documents
Found in: ridgeline-financial-statements-2023-2025.pdf, page 2; ridgeline-investor-deck.pdf, page 4
Why it matters: Revenue for 2025 is $1,850,000 in ridgeline-financial-statements-2023-2025.pdf and $2,072,000 in ridgeline-investor-deck.pdf, a difference of 12%. A lender or investor will ask which figure is right.
How to fix it: Use the revenue from the financial statements in every document, or explain the difference in writing.
YellowLatest financial statement is more than 90 days old
Found in: ridgeline-interim-2026-04.pdf, page 1
Why it matters: The latest statement ends on April 30, 2026, 153 days before this check. Lenders and investors look for numbers no older than 90 days.
How to fix it: Add a profit and loss statement and a balance sheet that end within the last 90 days.
YellowBalance sheet shows debt but there is no debt schedule
Found in: ridgeline-interim-2026-04.pdf, page 2
Why it matters: The balance sheet dated April 30, 2026 shows debt of $199,000, but no document lists each loan. Lenders use a debt schedule to see every payment the business already makes.
How to fix it: Add a debt schedule that lists every loan: the lender, the balance, the monthly payment and the end date.
Missing documents
Required Debt schedule: every loan, its balance and its monthly payment
Lenders add up every payment the business already makes before they add a new one.
Helpful Receivables and payables aging
An aging report shows who owes the business money, who it owes, and for how long.
Helpful Personal financial statement for each owner of 20% or more (for SBA-backed loans)
For SBA-backed loans, lenders ask each larger owner for a personal financial statement.
Lenders ask for this directly; Document Check does not review it. The lender gives each owner the form and collects it directly; do not upload it here.
Number Sheet
The key figures, each with the file and page it came from. In a real report you can correct any number, and the score is worked out again at no cost.
| Figure | Value | Where |
|---|---|---|
| Revenue, 2023 | $980,000 | ridgeline-financial-statements-2023-2025.pdf, page 2 |
| Revenue, 2024 | $1,420,000 | ridgeline-financial-statements-2023-2025.pdf, page 2 |
| Revenue, 2025 | $1,850,000 | ridgeline-financial-statements-2023-2025.pdf, page 2 |
| Revenue, 2025, in the investor deck | $2,072,000 | ridgeline-investor-deck.pdf, page 4 |
| Net income, 2025 | $161,200 | ridgeline-financial-statements-2023-2025.pdf, page 2 |
| Revenue, January to April 2026 | $642,000 | ridgeline-interim-2026-04.pdf, page 1 |
| Cash, April 30, 2026 | $171,500 | ridgeline-interim-2026-04.pdf, page 2 |
| Total debt, April 30, 2026 | $199,000 | ridgeline-interim-2026-04.pdf, page 2 |
| Monthly debt payments | $3,150 | ridgeline-financial-statements-2023-2025.pdf, page 5 |
| Amount requested | $250,000 | ridgeline-business-plan.docx, page 1 |
Readiness by funding type
For each other kind of financing: what it usually asks for that these documents do not include yet. No score and no label for these.
- Line of credit or contract financing
Not in these documents yet:
- Receivables aging
- Debt schedule
- Grants and SBIR/STTR
Not in these documents yet:
- SAM registration and UEI
- Project summary
- Project budget
- Government buyer readiness
Not in these documents yet:
- Capability statement
- SAM registration, UEI and CAGE
- NAICS codes
Re-check
1 re-check included, until October 30, 2026. Fix what the report found, upload the new documents, and the re-check shows what changed.