Self-reported, every line
A traditional PFS is whatever the borrower typed into a blank form. You verify it line by line — or take it on faith.
For lenders and brokers
A personal financial statement you don’t have to take on faith.
LivePFS statements are built from the borrower’s accounts, not their memory. Balances flow read-only from their institutions and refresh daily, and every PDF carries a QR certificate — scan it to confirm the statement and download the original. Receiving and requesting them costs you nothing.
- Verified figures
- Updated daily
- Free for lenders
The PFS in your credit file today
Stale before you read it
Most statements in a file are 90 days old or worse. The balances moved the day after the borrower signed.
Renewals mean chasing
Every annual review and covenant check starts the same way: request the form, wait, remind, wait again.
Deals wait on paperwork
The file can’t move until the borrower finds an afternoon to rebuild their net worth on your template.
The fix
Verified, current, and still just a PDF
A LivePFS statement is built from the borrower’s connected accounts. Balances flow read-only from their bank, brokerage, and lenders, refresh daily, and can’t be typed over. Every PDF carries a QR verification certificate: scan it and livepfs.com confirms who the statement was issued for, shows which figures are institution-connected, and lets you download the original document exactly as issued. It drops into your file like any other PFS.
- Synced balances come from institutions, read-only — the borrower can’t edit them
- Refreshed daily, so the statement reflects now, not last quarter
- QR certificate on every PDF — scan to confirm it and download the original from livepfs.com
- Anything the borrower typed is labeled entered manually on the certificate
- Free for lenders — receiving statements and requesting them costs nothing
Every export carries a scannable QR certificate — open the example to see it.
How it works
How it works for your borrowers
The borrower connects once
They link their bank, brokerage, and loans read-only, add what providers can’t reach — real estate, business interests — and assign ownership across entities.
The statement stays current
Balances refresh daily and the statement recalculates on its own.
You get a verified PDF
The statement arrives as a PDF for your file or a secure share link. Scan the QR certificate any time to confirm it and download the original.
What you get
Everything you need from a borrower, kept current
Verified, not self-reported
Connected balances come straight from the borrower’s institutions through read-only connections. Synced figures are locked — the borrower can’t edit them, so the number you underwrite is the number the institution reported.
Scan the QR, download the original
Every LivePFS PDF carries a verification certificate. Scan it and livepfs.com confirms the statement was issued for that borrower on that date — and hands you the original document, exactly as issued. If the copy in your file differs, trust the original.
Current, not 90 days old
Balances refresh every day. The statement a borrower sends you — or re-sends at renewal — reflects this morning, not the last time they had a free afternoon.
Zero cost, zero procurement
Nothing to buy, install, or integrate. Receiving statements, requesting them, and verifying certificates are free for lenders — no license, no seat, no contract.
Fits the process you have
The statement is still a PDF, formatted the way underwriters read a PFS — assets, liabilities, net worth by owner and entity. Drop it into the credit file like any other document.
Honest about its gaps
Real estate, business interests, and private holdings can’t be synced, so borrowers enter them manually — and the certificate labels those categories entered manually. You always know which figures are institution-backed.
Read-only, encrypted, never a credit pull
LivePFS connections are read-only — the platform can see balances, never move money or place trades. Checking a certificate or receiving a statement is not a credit inquiry and never touches the borrower’s credit file; the borrower chooses what to share and with whom. Data is encrypted at rest with managed keys, and the verification page at livepfs.com/verify works for anyone holding the document — no account needed.
Questions, answered
No. LivePFS shows read-only balances the borrower connected and chose to share. Nothing touches a credit bureau, and no inquiry appears on anyone’s file. It complements your credit report; it doesn’t replace it.
Nothing. Receiving statements, requesting them from borrowers, verifying certificates, and downloading originals are all free for lenders. The borrower pays $19/month for LivePFS.
Yes. You can recommend it or require it per deal — invite a borrower to submit a LivePFS statement for a loan, a renewal, or covenant reporting. The borrower always owns their data and decides what to share.
Every LivePFS PDF carries a QR verification certificate. Scan it and LivePFS confirms the statement was issued for that borrower on that date, shows which figures are institution-connected, and lets you download the original document exactly as issued. Typing the short code at livepfs.com/verify confirms when the statement was issued but never opens the figures. If a copy differs from the original, trust the original.
Borrowers add those manually, and the certificate labels those categories entered manually. You always see which figures come from institutions and which came from the borrower — nothing is presented as verified when it isn’t.
It doesn’t have to change anything. The statement arrives as a PDF formatted the way underwriters read a PFS — drop it into the file like any other. If policy requires your own form, LivePFS gives you verified, current numbers to check it against.
Stop underwriting self-reported numbers
Create a free lender account and request verified, always-current personal financial statements from your borrowers.
Create a free lender accountFree for lenders. Borrowers pay $19/month for LivePFS.