PFS templates
Send one statement.Get a file you can spread.
The personal financial statement is where most credit files stall. Ironwood ships borrower facing templates that run offline, total themselves as they are filled in, and import directly into the loan review workbooks.
- OfflineRuns in a browser or in Excel
- No portalNo login for the borrower
- One clickImports into the review
Three versions
The right statement for the borrower in front of you
A farm operator and a retail business do not hold value the same way. Each template asks for what that borrower actually has, which is why they come back complete.
Consumer
Assets, liabilities, income, and contingent obligations, with a real estate and debt schedule behind them.
See the matching review
Commercial
Adds business holdings, receivable aging, and inventory so the operating position arrives with the statement.
See the matching review
Agricultural
Adds growing crops, stored grain, livestock, machinery, and a crop year cash flow projection.
See the matching reviewBehind the statement
The schedules do the work
Ag schedules
Crops and machinery are asked for properly
Acres, expected yield, and price assumptions on one schedule. Machinery listed unit by unit on another. The borrower answers in the terms they already use.
Equipment
Machinery listed, valued, and encumbered
Each unit carries a value and the lien against it, so the equipment position is clear the moment the statement arrives.
Cash flow
A crop year projection in the borrower's hands
The ag statement includes a cash flow projection the operator fills in themselves, which becomes the starting point for the analyst rather than a second request.
Commercial
Receivables and inventory arrive with the statement
Aging buckets and inventory categories are part of the form, so the working capital conversation does not need a follow-up email.
The handoff
Sent, filled, returned, imported
01
You send the file
Email the statement. There is no portal to invite the borrower into and no account to create.
02
They fill it offline
It opens in a browser or in Excel and totals as they type. Nothing is uploaded anywhere.
03
They email it back
The borrower returns the same file. It never leaves your email system and your network.
04
One click imports it
The answers map into the right cells across every schedule in the review workbook.
The consumer statement as the borrower returns it.