Turn Distressed Borrower Records into Loan-Ready Files in 14 to 21 Days.
Garber² Partners serves as the dedicated accounting bridge between commercial lenders, tax CPAs, and business borrowers. We don't write commercial loans or file income tax returns—we build immaculate, CIA-certified general ledgers that lenders approve and CPAs applaud.
How We Protect Your Underwriting Deadlines and Tax Season Capacity
When business financials are disorganized, loan approvals stall and CPA tax preparation turns into a nightmare. Garber² delivers institutional financial triage.
Commercial Bankers & SBA Lenders
Turn un-bankable loan applicants into loan-ready packages in 14–21 days. We eliminate unclassified 6890 expenses, compute normalized EBITDA add-backs, and deliver debt service coverage ratios (DSCR) that underwriting committees can approve on the first pass.
- SBA 7(a) & 504 underwriting tie-outs
- 13-week cash flow & covenant tracking
- Direct coordination with Emily Zoog (Green Bank)
CPAs & Tax Strategists
Spotless, pre-reconciled workpapers with zero year-end adjustments. We clear out GL 6890 Ask My Accountant, roll forward Section 179 fixed asset schedules, and hand you audit-ready workpapers so your firm can focus on high-margin tax strategy rather than receipt entry.
- Zero suspense balance guarantee
- Form 1120-S & 1065 ready trial balances
- Direct tie-outs to Legacy Trail CPAs
Chambers & Business Advisors
Trusted concierge bookkeeping for growing local enterprises. Since 2012, Garber² Partners has served as the premier accounting resource for Collin County and North Texas businesses, providing institutional rigor with boutique partner accessibility.
- McKinney Chamber Strategic Partner since 2015
- M&A Quality of Earnings readiness
- White-glove concierge client onboarding
"Glen and Leigh Ann have been amazing to work with as strategic partners. As a banker, I completely trust referring any business clients to them for their bookkeeping needs and know without a doubt my clients will be in great hands. Between their utmost integrity, honesty and value they offer their clients, I highly recommend Glen and Leigh Ann to anyone looking to build a solid and trusting relationship with their bookkeeper."
The Green Bank Referral Protocol:
When a commercial borrower needs underwriting financials fast, Emily connects them directly with Glen Garber. Within 14 to 21 days, Leigh Ann delivers a certified general ledger and loan package.
Scoped Cleanup Checklist Generator & Fast-Track Intake
Instantly generate a branded 14–21 Day Loan-Ready Cleanup Roadmap and 5-Point CPA Verification Checklist for your borrower or client. Route the intake directly into Glen Garber's Studio inbox.
Borrower & Engagement Inputs
21-Day Loan-Ready Roadmap
Multi-Account Discovery & Bank Feed Sync
Connect operating accounts, corporate cards, and commercial lines of credit. CIA audit intake and initial QBO ledger diagnosis.
General Ledger Hygiene & 6890 Suspense Clearing
Disentangle personal owner draws from legitimate business expenses. Reclassify all GL 6890 'Ask My Accountant' items to true chart of accounts.
Collateral, Debt Service & CapEx Schedule Verification
Verify fixed assets and Section 179 equipment rollforwards. Compute Trailing-12-Month Debt Service Coverage Ratio (DSCR) and EBITDA add-backs.
Signed CIA Audit Workpapers & Underwriting Handoff
Deliver Leigh Ann's signed CIA Certification Memo, reconciled balance sheets, and itemized audit memo directly to loan officer and tax CPA.
5-Point CPA & Banker Verification Checklist
Everything Commercial Bankers & CPAs Need to Know
Straight answers about our co-servicing model, turnaround commitments, and institutional controls.
Does Garber² Partners prepare business or personal income tax returns?
No. We are strictly a bookkeeping, internal audit, and corporate FP&A firm. We never compete with CPA firms—we partner with them. Our mission is to deliver clean, reconciled trial balances, itemized reclassification journals, and Section 179 schedules so CPAs can prepare Form 1120-S and Form 1065 returns in a fraction of the time with zero messy adjustments.
How fast can you deliver loan-ready financial statements for an urgent SBA 7(a) filing?
For files that are 1 to 6 months behind, we guarantee a 14 to 21-day turnaround. For multi-year files (12 to 36 months behind), our forensic team typically completes the engagement within 28 to 35 calendar days. We provide loan officers with weekly progress milestones so underwriting committees stay informed.
Can commercial loan officers or tax CPAs join our monthly client reviews?
Absolutely. In fact, we encourage it. We believe the strongest client relationships involve tight alignment between the bookkeeper, the commercial banker, and the CPA. Glen and Leigh Ann routinely co-host quarterly review calls with our strategic partners to discuss capital expenditure planning, line-of-credit renewals, and year-end tax strategies.
How do you protect confidential borrower financial data?
All client financial data is scrubbed client-side inside the browser using Leigh Ann's CIA Local PII Shield before any automated processing. Client names, EINs, and bank account numbers are masked with cryptographic tokens. We maintain strict institutional controls modeled on Leigh Ann's hospital audit background at Tenet Healthcare and Triad Hospitals.
Have an Urgent Underwriting File on Your Desk?
Call Glen Garber directly or submit your borrower file above. We will provide an immediate 24-hour turnaround assessment and roadmap.