Docs 03
Each document uses entered records, exports to PDF, and carries the financial disclaimer. Garden does not file them. If data is missing, it identifies what to add.
Profit and loss statement
Who asks: lenders, landlords, accountants, and self-employed applicants.
What it needs: transactions across a date range, categorised.
Income and expenses grouped by category for a chosen period, with a net figure.
Net-worth statement
Who asks: lenders, financial planners, and you.
What it needs: accounts, balances, entered assets, and liabilities.
Everything you own against everything you owe at a point in time.
Proof-of-income letter
Who asks: landlords, mortgage brokers, immigration filings, and regular-income verifiers.
What it needs: income transactions for a few months minimum.
Garden derives it from income that actually landed in your accounts.
Rental application packet
Who asks: landlords and letting agents.
What it needs: accounts, income history, and enough transactions to support the income figure.
Selected documents assembled into one packet in the expected order.
Year-end summary
Who asks: your CPA or tax preparer.
What it needs: a full year of categorised transactions.
Tax-year category totals laid out for the preparer.
SBA Form 413 — Personal Financial Statement
Who asks: the SBA and SBA-backed lenders.
What it needs: assets, liabilities, and account balances.
The federal form, filled from your ledger. Check its printed revision against the agency's current version before filing.
Schedule C — Profit or Loss From Business
Who asks: the IRS, if you are a sole proprietor.
What it needs: business income and expenses, categorised.
The form, filled from your records. Garden does not file or review it and cannot determine whether an expense is deductible; that judgment is yours or your preparer's.
Form W-9
Who asks: clients who need your details before paying you.
What it needs: your details, entered when generated.