The Reports
What's the difference between the Financial Diagnostic and the Loan Readiness report?
The Financial Diagnostic is a forensic review of your statements — 47 checks including the Beneish M-Score and Benford's Law analysis — flagging accounting anomalies and earnings-manipulation signals. The Loan Readiness report assesses your business against 52 factors banks actually score, including DSCR (debt-service coverage), to show how a lender would view your application and where the gaps are. Diagnostic answers "is anything off in these numbers?"; Loan Readiness answers "would a bank lend to this business, and why?"
What are the Beneish M-Score and Benford's Law?
The Beneish M-Score combines several financial ratios to estimate the likelihood that earnings have been manipulated. Benford's Law describes the expected distribution of leading digits in natural financial data, where unusual deviations can indicate data-entry issues or manipulation. Both are screening indicators — they highlight where to look more closely, not proof that anything is wrong.
What documents do I need to provide?
At minimum, your profit & loss (income statement) — that's the only required document. Adding your balance sheet, cash-flow statement, and general ledger strengthens the analysis where available, but they're optional. We accept PDF, Excel (.xlsx/.xls), and CSV files, up to 15 MB each.
How do I receive my report, and how long does it take?
Your report is generated after purchase and delivered both to your email and your account portal, where it stays available for 90 days. You'll be emailed as soon as it's ready — typically within a few minutes.
Can I access my reports later?
Yes. Every report is saved to your account, so you can log back in and re-view or re-download it anytime during the 90-day retention window — whether you bought a single report or subscribe.
Accuracy & Limitations
Does FlagLedger detect fraud?
No — and we're deliberate about this. FlagLedger flags signals that warrant a closer look. A flag is not a finding of fraud or wrongdoing, and the absence of flags is not a clean bill of health. The report is a starting point for diligence, not a verdict.
Is this a substitute for an audit or an accountant?
No. The automated reports are a screening tool, not an audit, attestation, or professional accounting or financial advice. They're designed to complement your accountant, auditor, or advisor — surfacing questions faster and cheaper — not replace them.
Does a good Loan Readiness score guarantee I'll get a loan?
No. The report shows how your business measures against the factors lenders commonly weigh, so you can strengthen your position before applying. Final lending decisions rest entirely with the lender.
Expert Review
What is the Expert Review, and how is it different from the automated reports?
The automated reports are generated by FlagLedger's analysis engine. The Expert CFO Review is a real human review of your financials, performed by the experienced advisory team at LUUCKA — not an algorithm — and delivered as a downloadable written assessment. It's delivered within 5 business days from when all required documents are received, and the advisory team will email you directly if anything further is needed.
What's the difference between Standalone and Add-on Expert Review?
Standalone is a human advisory review on its own — no FlagLedger report required. You complete a short intake form and upload your financials, and the LUUCKA team reviews them directly. Add-on attaches an expert review to an existing FlagLedger report you've already run, so the advisor works from that report and the documents already on file.
Do I need an account to buy an Expert Review?
No — a Standalone Expert Review can be purchased without creating an account; you'll complete a short intake and receive your review by email. The automated per-report and subscription products do require an account.