🕷️ Crawler Inspector

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Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 187 (from laksa014)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa187.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.lendingtree.com/business/profit-and-loss-statement/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.lendingtree.com/business/profit-and-loss-statement/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/","crawl_time":1765953591,"first_indexed_time":1619879512,"http_code":200,"src_unparsed":"com,lendingtree!www,\/business\/profit-and-loss-statement\/ s443","src_root_hash":"8531568364399145787","history_drop_reason":null,"meta_title":"Profit and Loss Statements: Guide for Businesses | LendingTree","meta_descriptions":["A profit-and-loss statement summarizes revenue and costs over a specific period to provide valuable insights into the financial health of your business."],"attrs_boilerpipe_text":"\n        How Does LendingTree Get Paid?\n   \n          LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.\n         \n      We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our  editorial guidelines here .\n     \nA profit and loss (P&L) statement summarizes revenue and expenses over a specific period. It’s also called a “P&L statement,” “income statement” or “income and expense statement.”\n \nA P&L statement can provide valuable insight into a company’s financial health. Creating one for your business can help you monitor profitability, make decisions about future investments and prepare to apply for funding.\n \nA profit and loss statement provides an overview of a company’s sales, expenses and net income over a period of time — usually monthly, quarterly or annually.\n \nA P&L statement can inform business decisions by helping business owners understand where their money is coming and going, and how the current state of operations is impacting their bottom line. \n \nMany lenders require businesses to provide a long list of financial documents, including a profit and loss statement, when they apply for small business financing.\n \n    What is a profit and loss statement?\n   \nA profit and loss statement is an important financial document that tracks a business’s revenue and expenses and shows whether or not it was profitable — and by how much — during a specific period of time. While larger companies may choose to complete P&L statements on a quarterly or annual basis, small businesses may want to calculate profit and loss statements monthly.\n \nThe profit and loss statement shows important information that, when analyzed alongside balance sheets and cash flow statements, can make business decisions easier. For instance, a P&L statement can help you:\n \nIdentify seasonal, monthly, quarterly and annual trends in sales\n \nCalculate which products or services are most profitable\n \nTrack where you’re spending money on expenses\n \nIdentify areas for management improvement\n \nEvaluate the success of your  business plan \nPrepare for  tax season \n    What are P&L statements used for?\n   \nThe main purpose of a profit and loss statement is to tell you if your company is making or losing money over a specific period of time, typically monthly, quarterly or annually. You can use profit and loss statements to  manage small business finances  and make strategic decisions about your business.\n \nIn addition to keeping tabs on financial health, a profit and loss statement is needed to secure funding, like  business loans  and lines of credit. Many lenders, including the Small Business Administration (SBA), require applicants to submit a P&L statement during the  loan application process .\n \n    Types of profit and loss statements\n   \nThere are two accounting methods used for P&L statements: the cash accounting method and the accrual method.\n \n    Cash accounting method\n   \nWith the cash accounting method, you record sales and expenses when you actually receive or spend money. For example, if you give customers 90 days to pay, you don’t record sales until you receive payment from them. \n \nThis easy accounting method may be adequate for simple businesses, like food trucks or housekeeping services, that don’t usually have lengthy timing differences between when transactions occur and when they are paid for.\n \n    Accrual method\n   \nMany companies use the accrual method. Under this method, you record revenue and expenses when the business transaction happens — even if the money hasn’t been paid or received yet. Balance sheet accounts like  accounts payable  and accounts receivable are used to keep track of what you owe and are owed.\n \nThe accrual method is typically used by businesses that are required to follow Generally Accepted Accounting Principles (GAAP), as well as businesses that have inventory. Because the accrual method can be more complicated, it typically requires the use of double-entry accounting software or a  bookkeeping service .\n \n    Components of a P&L statement\n   \nA profit and loss statement can give you valuable insight into your business and its profitability, but to create a P&L statement, you’ll need to understand the key metrics that go into this important document. \n \nThough these metrics can vary from company to company, they generally include the following:\n Gross revenue:  Money received from selling your goods or services.\n Discounts and returns:  Money lost to product returns and discounts. \n Net revenue:  Gross revenue minus any discounts and returns. \n Cost of goods sold (COGS):  Cost of producing goods and services, including materials, labor and any other costs involved in creating what you’re selling.\n Gross profit:  Net revenue minus COGS. This tells you if you’re selling products for more than they cost to make. In a profitable business, it should always be a positive number. \n Pretax income:  Gross profit minus operating and non-operating expenses, not including tax.\n Operating income:  Gross profit minus operating expenses. It’s also referred to as operating profit. \n Operating expenses:  Management salaries, utilities, rent, insurance, supplies and other costs that are needed to run the business but not directly tied to producing the product or service you’re selling. These expenses are sometimes called “fixed costs” or “overhead.”\n Non-operating expenses:  Any business expenses that are not related to your core business operations, such as interest expenses, litigation costs and losses on the sale of business assets.  \n Net profit (or loss):  Pretax income minus income taxes. This is also called the “bottom line.”\n \nNet profits are a key metric in your P&L statement: A positive number reflects profit, and a negative number indicates a loss. Losses occur when slow or declining sales are not sufficient to cover operating expenses, or expenses escalate faster than sales. A net loss is a sign of trouble but doesn’t tell the full story. To find out why your business wasn’t profitable, you’ll have to examine individual expense categories. Comparing performance trends over time, like quarter to quarter, may help you pinpoint the areas causing problems.\n \n    How to make a profit and loss statement\n   \nThe first step in creating a P&L statement is to gather data on sales and expenses. Important information you’ll need to pull together includes:\n For revenue: \nCash register or POS terminal printout\n \nMerchant account summary of credit card sales\n \nReports from other payment processors, like Stripe, Venmo, Paypal or Zelle\n \nCopies of invoices you sent to customers\n For expenses: \nBills from suppliers\n \nStatements for credit cards you’re using for business expenses\n \nPayroll processing reports, if you have employees\n \nNext it’s time to put your data into the right format. You can purchase  accounting software  or create your own P&L statement in a spreadsheet. Accounting software is generally the most efficient approach because after you input your data, the program automatically generates the P&L statement and other financial reports.\n \nBut if you’re running a simple business or creating a forecast of future profits based on assumptions, called a pro forma income statement, a spreadsheet may be the easiest tool for the job. You can build your own P&L spreadsheet or download a free template.\n \n              Profit and loss statement templates\n             \nWhile the easiest method is using accounting software, you can also create a P&L sheet using Excel, Google Sheets or an existing template.\n SCORE : This template uses Excel and focuses on a one-year projection, with spaces for local, state and federal taxes.\n IRS Form 1040 : If you primarily need P&L information for taxes, you can fill it in directly to the IRS form.\n Smartsheet : If you need a barebones template for a short, visually appealing overview, Smartsheet’s template can be filled out directly in your browser.\n DC.gov : Optimized for new businesses, this Excel template uses monthly projections for year one, quarterly projections for year two and yearly projections through year five.\n \n    Other financial tracking forms\n   \nIn addition to the P&L statement, other financial reports that will help you fully understand your business’s health include:\n Cash flow statement:  If you use the accrual accounting method, you’ll need a  cash flow statement  to tell you what’s causing cash to flow in and out of your bank account. Cash flow statements generally cover all sources of cash, including cash generated through operating activities, investing activities and financing activities. \n Balance sheet:  This report keeps track of your  assets, liabilities and equity . Assets are things you own like real estate, machinery and patents, while liabilities are debts you owe, such as taxes, leases and loans. By subtracting liabilities from assets, you can assess the amount of equity — or ownership stake — you have after all debts are paid.\n Comparison to budget:  Creating a  business budget  and comparing it to your real financial statements is a great way to analyze where you’re succeeding and where you can improve. Adjust your budget regularly to make sure it reflects your business reality. \n \n                      Get Small Business Loan Offers Customized for You Today\n                  ","attrs_markdown":"[Skip to content](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#main-content)\n\nHow Does LendingTree Get Paid?     LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.\n\nHow Does LendingTree Get Paid?\n\nHow Does LendingTree Get Paid?\n\nLendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.\n\nClose\n# What Is a Profit and Loss Statement?\n![Katie Ziraldo, Author at LendingTree](https:\/\/www.lendingtree.com\/wpm\/app\/uploads\/2025\/06\/Katie_Ziraldo-96x96.webp)\n\nWritten by  [Katie Ziraldo](https:\/\/www.lendingtree.com\/writer\/katie-ziraldo\/)\n\n![Laura Roden, Author at LendingTree](https:\/\/www.lendingtree.com\/wpm\/app\/uploads\/2024\/09\/laura-roden-50x50-66e2c3c267ba1.webp)\n\nWritten by  [Laura Roden](https:\/\/www.lendingtree.com\/writer\/laura-roden\/)\n\n![Dawn Daniels, Editor at LendingTree](https:\/\/www.lendingtree.com\/wpm\/app\/uploads\/2025\/06\/Dawn_Daniels-96x96.webp)\n\nEdited by  [Dawn Daniels](https:\/\/www.lendingtree.com\/writer\/dawn-daniels\/)\n\n\\+ 1 More\n\n\\+ 2 More\n\nUpdated\n\nNov 04, 2025\n\nContent was accurate at the time of publication.\n\nWhy use LendingTree?\n\nWe are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our [editorial guidelines here](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/).\n\nA profit and loss (P\\&L) statement summarizes revenue and expenses over a specific period. It’s also called a “P\\&L statement,” “income statement” or “income and expense statement.”\n\nA P\\&L statement can provide valuable insight into a company’s financial health. Creating one for your business can help you monitor profitability, make decisions about future investments and prepare to apply for funding.\n\nKey takeaways\n\n- A profit and loss statement provides an overview of a company’s sales, expenses and net income over a period of time — usually monthly, quarterly or annually.\n- A P\\&L statement can inform business decisions by helping business owners understand where their money is coming and going, and how the current state of operations is impacting their bottom line.\n- Many lenders require businesses to provide a long list of financial documents, including a profit and loss statement, when they apply for small business financing.\n## What is a profit and loss statement?\nA profit and loss statement is an important financial document that tracks a business’s revenue and expenses and shows whether or not it was profitable — and by how much — during a specific period of time. While larger companies may choose to complete P\\&L statements on a quarterly or annual basis, small businesses may want to calculate profit and loss statements monthly.\n\nThe profit and loss statement shows important information that, when analyzed alongside balance sheets and cash flow statements, can make business decisions easier. For instance, a P\\&L statement can help you:\n\n- Identify seasonal, monthly, quarterly and annual trends in sales\n- Calculate which products or services are most profitable\n- Track where you’re spending money on expenses\n- Identify areas for management improvement\n- Evaluate the success of your [business plan](https:\/\/www.lendingtree.com\/business\/writing-a-small-business-plan\/)\n- Prepare for [tax season](https:\/\/www.lendingtree.com\/business\/tax-preparation-checklist\/)\n## What are P\\&L statements used for?\nThe main purpose of a profit and loss statement is to tell you if your company is making or losing money over a specific period of time, typically monthly, quarterly or annually. You can use profit and loss statements to [manage small business finances](https:\/\/www.lendingtree.com\/business\/managing-small-business-finances\/) and make strategic decisions about your business.\n\nIn addition to keeping tabs on financial health, a profit and loss statement is needed to secure funding, like [business loans](https:\/\/www.lendingtree.com\/business\/small\/) and lines of credit. Many lenders, including the Small Business Administration (SBA), require applicants to submit a P\\&L statement during the [loan application process](https:\/\/www.lendingtree.com\/business\/requirements\/how-to-get-a-business-loan\/).\n\n## Types of profit and loss statements\nThere are two accounting methods used for P\\&L statements: the cash accounting method and the accrual method.\n\n### Cash accounting method\nWith the cash accounting method, you record sales and expenses when you actually receive or spend money. For example, if you give customers 90 days to pay, you don’t record sales until you receive payment from them.\n\nThis easy accounting method may be adequate for simple businesses, like food trucks or housekeeping services, that don’t usually have lengthy timing differences between when transactions occur and when they are paid for.\n\n### Accrual method\nMany companies use the accrual method. Under this method, you record revenue and expenses when the business transaction happens — even if the money hasn’t been paid or received yet. Balance sheet accounts like [accounts payable](https:\/\/www.lendingtree.com\/business\/accounts-payable\/) and accounts receivable are used to keep track of what you owe and are owed.\n\nThe accrual method is typically used by businesses that are required to follow Generally Accepted Accounting Principles (GAAP), as well as businesses that have inventory. Because the accrual method can be more complicated, it typically requires the use of double-entry accounting software or a [bookkeeping service](https:\/\/www.lendingtree.com\/business\/best-practices\/).\n\n## Components of a P\\&L statement\nA profit and loss statement can give you valuable insight into your business and its profitability, but to create a P\\&L statement, you’ll need to understand the key metrics that go into this important document.\n\nThough these metrics can vary from company to company, they generally include the following:\n\n- **Gross revenue:** Money received from selling your goods or services.\n- **Discounts and returns:** Money lost to product returns and discounts.\n- **Net revenue:** Gross revenue minus any discounts and returns.\n- **Cost of goods sold (COGS):** Cost of producing goods and services, including materials, labor and any other costs involved in creating what you’re selling.\n- **Gross profit:** Net revenue minus COGS. This tells you if you’re selling products for more than they cost to make. In a profitable business, it should always be a positive number.\n- **Pretax income:** Gross profit minus operating and non-operating expenses, not including tax.\n- **Operating income:** Gross profit minus operating expenses. It’s also referred to as operating profit.\n- **Operating expenses:** Management salaries, utilities, rent, insurance, supplies and other costs that are needed to run the business but not directly tied to producing the product or service you’re selling. These expenses are sometimes called “fixed costs” or “overhead.”\n- **Non-operating expenses:** Any business expenses that are not related to your core business operations, such as interest expenses, litigation costs and losses on the sale of business assets.\n- **Net profit (or loss):** Pretax income minus income taxes. This is also called the “bottom line.”\n\n### Understanding net profit\nNet profits are a key metric in your P\\&L statement: A positive number reflects profit, and a negative number indicates a loss. Losses occur when slow or declining sales are not sufficient to cover operating expenses, or expenses escalate faster than sales.  \n  \nA net loss is a sign of trouble but doesn’t tell the full story. To find out why your business wasn’t profitable, you’ll have to examine individual expense categories. Comparing performance trends over time, like quarter to quarter, may help you pinpoint the areas causing problems.\n## How to make a profit and loss statement\nThe first step in creating a P\\&L statement is to gather data on sales and expenses. Important information you’ll need to pull together includes:\n\n**For revenue:**\n\n- Cash register or POS terminal printout\n- Merchant account summary of credit card sales\n- Reports from other payment processors, like Stripe, Venmo, Paypal or Zelle\n- Copies of invoices you sent to customers\n\n**For expenses:**\n\n- Bills from suppliers\n- Statements for credit cards you’re using for business expenses\n- Payroll processing reports, if you have employees\n\nNext it’s time to put your data into the right format. You can purchase [accounting software](https:\/\/www.lendingtree.com\/business\/best-software\/) or create your own P\\&L statement in a spreadsheet. Accounting software is generally the most efficient approach because after you input your data, the program automatically generates the P\\&L statement and other financial reports.\n\nBut if you’re running a simple business or creating a forecast of future profits based on assumptions, called a pro forma income statement, a spreadsheet may be the easiest tool for the job. You can build your own P\\&L spreadsheet or download a free template.\n\n### Profit and loss statement templates\nWhile the easiest method is using accounting software, you can also create a P\\&L sheet using Excel, Google Sheets or an existing template.\n\n- [SCORE](https:\/\/www.score.org\/resource\/template\/12-month-profit-and-loss-projection): This template uses Excel and focuses on a one-year projection, with spaces for local, state and federal taxes.\n- [IRS Form 1040](https:\/\/www.irs.gov\/pub\/irs-prior\/f1040sc--1966.pdf): If you primarily need P\\&L information for taxes, you can fill it in directly to the IRS form.\n- [Smartsheet](https:\/\/www.smartsheet.com\/sites\/default\/files\/2022-06\/IC-Simple-Profit-and-Loss-Statement-11286_PDF.pdf?srsltid=AfmBOorOas0IzSBRlr5ogZJPm97xDq8NqPO3GxBb5EJ5mgZqUQdJWOMb): If you need a barebones template for a short, visually appealing overview, Smartsheet’s template can be filled out directly in your browser.\n- [DC.gov](https:\/\/dc.gov\/publication\/profit-and-loss-template): Optimized for new businesses, this Excel template uses monthly projections for year one, quarterly projections for year two and yearly projections through year five.\n## Other financial tracking forms\nIn addition to the P\\&L statement, other financial reports that will help you fully understand your business’s health include:\n\n- **Cash flow statement:** If you use the accrual accounting method, you’ll need a [cash flow statement](https:\/\/www.lendingtree.com\/business\/cash-flow-analysis\/) to tell you what’s causing cash to flow in and out of your bank account. Cash flow statements generally cover all sources of cash, including cash generated through operating activities, investing activities and financing activities.\n- **Balance sheet:** This report keeps track of your [assets, liabilities and equity](https:\/\/www.lendingtree.com\/business\/assets-liabilities-equity\/). Assets are things you own like real estate, machinery and patents, while liabilities are debts you owe, such as taxes, leases and loans. By subtracting liabilities from assets, you can assess the amount of equity — or ownership stake — you have after all debts are paid.\n- **Comparison to budget:** Creating a [business budget](https:\/\/www.lendingtree.com\/business\/small\/budget-templates\/) and comparing it to your real financial statements is a great way to analyze where you’re succeeding and where you can improve. Adjust your budget regularly to make sure it reflects your business reality.\n\nGet Small Business Loan Offers Customized for You Today\n\n[Get Started](https:\/\/www.lendingtree.com\/redirect\/offers?id=wp-business)\n\nCompare business loan offers\n\nAdvertising Disclosures\n\nAdvertising Disclosures\n\nDisclosure 1\n\nFree LendingTree Services – Disclosure current as of 20-May-24\n\nLendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.\n\n**What portion of LendingTree’s services in connection with my loan request is free?**\n\nThere is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and\/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.\n\n**How does LendingTree get paid?**\n\nLendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.\n\nDisclosure 116\n\nBusiness Loans – Disclosure current as of 20-May-24\n\nBusiness Loans are those loans that are for commercial use and any property and\/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of the Truth in Lending Act.\n\nMost of our Business Funding Partners do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.\n\nThere is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner's terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner's discretion. There is no guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your lender for details.\n\n**LendingTree Advertisement Disclosure:**\n\n**LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.**\n\nFor a current list of applicable state licensing and disclosures, click [Licenses and Disclosures](https:\/\/www.lendingtree.com\/legal\/licenses-and-disclosures) or call for details.\n\nLendingTree, LLC NMLS Unique Identifier \\#1136; AL Mortgage Brokers License \\#8694;  \n AK Mortgage Broker\/Lender License \\#AK1136; AZ Mortgage Broker License \\#0902469;  \n AR Mortgage Broker License \\#24441; CA Department of Financial Protection & Innovation, CA Financing Law License \\#6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID \\#1136; CT Mortgage Broker License \\#4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License \\#SLC-1136; DE Broker License \\#010996; DC Mortgage Broker License \\#MLB1136; FL Mortgage Broker License \\#MBR1298; GA Mortgage Broker\/Processor License\/Registration \\#12989; HI Mortgage Loan Originator Company License \\#HI-1136; ID Mortgage Broker\/Lender License \\#MBL-893; IL Residential Mortgage License \\#MB.0005433; IN-SOS Loan Broker License \\#1136; IA Mortgage Broker License \\#741; KS Mortgage Company License \\#MC.0002279; KY Mortgage Broker License \\#MB17994; LA Residential Mortgage Lending License \\#189; ME Loan Broker License \\#1136; MD Mortgage Lender License \\#1136; MA Mortgage Broker License \\#MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License \\#SL0533; MI 1st Mortgage Broker License \\#FL0016258, 2nd Mortgage Broker Registrant \\#SR0016259; MN Residential Mortgage Originator License \\#MN-MO-40127258; MS Mortgage Broker License \\#1136; MO Mortgage Company License \\#1136, NMLS \\#1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License \\#1097; NE Mortgage Banker License \\#1517; NV Mortgage Company License \\#1698, NV Bus. ID NV20051235630, Las Vegas Bus. License \\#P50-02291; NH Mortgage Broker License \\#1136MBR; NH Small Loan Lender License \\#1136SM; NJ Residential Mortgage Broker License \\#0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License \\#00395; NM Small Loan Company License \\#2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License \\#RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License \\#B-113401; ND Residential Mortgage Lender License \\#ML104625; ND Money Broker License \\#MB100817; OH Residential Mortgage Lending Act Certificate of Registration \\#RM.802159.000, 1210 Louden St. \\#2, Cincinnati, OH 45202; OK Mortgage Broker License \\#MB002490; OK Credit Services Organization License \\#CSO00394; OR Mortgage Lending License \\#ML-1862; OR Consumer Finance License \\#0420-001-C; PA Mortgage Broker License \\#20298; RI Loan Broker License \\#20062113LB; SC Mortgage Broker License \\#MB-0504600, SC Branch Location NMLS ID \\#234375; SD Foreign Corporation Entity \\#FL002607; SD Mortgage Brokerage License \\#1136.MB; TN Mortgage License \\#1136; TN Industrial Loan and Thrift Company Registration \\#1136; TX SML Mortgage Company License, NMLS ID \\#1136, Mr. Shan Guo Residential Mortgage Loan Originator \\#300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License \\#5489470-NMLC; VT Mortgage Broker License \\#0055 MB; VA Mortgage Broker License \\#MC-1052; WA Mortgage Broker License \\#MB-1136; WV Mortgage Broker License \\#MB-20020; WI Mortgage Broker License \\#2630BR; WY Mortgage Broker License \\#838. Licensing information last amended on 02-Apr-25.\n\nAdvertised Terms and Information\n\n- The information and disclosures above relate to advertised terms made by or through LendingTree.\n- Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.\n- LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.\n- You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the [Terms of Use Agreement](https:\/\/www.lendingtree.com\/legal\/terms-of-use) for more details. The Terms of Use Agreement governs these advertised Terms and Information.\n- FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.\n\nClose\n\nBusiness Resources\n\n- [Best Small Business Loans](https:\/\/www.lendingtree.com\/business\/small\/)\n- [Business Line of Credit](https:\/\/www.lendingtree.com\/business\/line-of-credit\/)\n- [Average Business Loan Interest Rates](https:\/\/www.lendingtree.com\/business\/rates\/)\n- [Refinance Business Loan](https:\/\/www.lendingtree.com\/business\/refinance\/)\n\nOn this page\n\nJump to\n\nOn this page\n\n- [What is a profit and loss statement?](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#what-is-a-profit-and-loss-statement)\n- [What are P\\&L statements used for?](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#what-are-pl-statements-used-for)\n- [Types of profit and loss statements](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#types-of-profit-and-loss-statements)\n- [Components of a P\\&L statement](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#components-of-a-pl-statement)\n- [How to make a profit and loss statement](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#how-to-make-a-profit-and-loss-statement)\n- [Other financial tracking forms](https:\/\/www.lendingtree.com\/business\/profit-and-loss-statement\/#other-financial-tracking-forms)\n\n[Home](https:\/\/www.lendingtree.com\/)  [Business](https:\/\/www.lendingtree.com\/business\/)  What Is a Profit and Loss Statement?\n\nEditorial Guidelines\n\nAt LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. 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Meta Title	Profit and Loss Statements: Guide for Businesses \| LendingTree
Meta Description	A profit-and-loss statement summarizes revenue and costs over a specific period to provide valuable insights into the financial health of your business.
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Boilerpipe Text	How Does LendingTree Get Paid? LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available. We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here . A profit and loss (P&L) statement summarizes revenue and expenses over a specific period. It’s also called a “P&L statement,” “income statement” or “income and expense statement.” A P&L statement can provide valuable insight into a company’s financial health. Creating one for your business can help you monitor profitability, make decisions about future investments and prepare to apply for funding. A profit and loss statement provides an overview of a company’s sales, expenses and net income over a period of time — usually monthly, quarterly or annually. A P&L statement can inform business decisions by helping business owners understand where their money is coming and going, and how the current state of operations is impacting their bottom line. Many lenders require businesses to provide a long list of financial documents, including a profit and loss statement, when they apply for small business financing. What is a profit and loss statement? A profit and loss statement is an important financial document that tracks a business’s revenue and expenses and shows whether or not it was profitable — and by how much — during a specific period of time. While larger companies may choose to complete P&L statements on a quarterly or annual basis, small businesses may want to calculate profit and loss statements monthly. The profit and loss statement shows important information that, when analyzed alongside balance sheets and cash flow statements, can make business decisions easier. For instance, a P&L statement can help you: Identify seasonal, monthly, quarterly and annual trends in sales Calculate which products or services are most profitable Track where you’re spending money on expenses Identify areas for management improvement Evaluate the success of your business plan Prepare for tax season What are P&L statements used for? The main purpose of a profit and loss statement is to tell you if your company is making or losing money over a specific period of time, typically monthly, quarterly or annually. You can use profit and loss statements to manage small business finances and make strategic decisions about your business. In addition to keeping tabs on financial health, a profit and loss statement is needed to secure funding, like business loans and lines of credit. Many lenders, including the Small Business Administration (SBA), require applicants to submit a P&L statement during the loan application process . Types of profit and loss statements There are two accounting methods used for P&L statements: the cash accounting method and the accrual method. Cash accounting method With the cash accounting method, you record sales and expenses when you actually receive or spend money. For example, if you give customers 90 days to pay, you don’t record sales until you receive payment from them. This easy accounting method may be adequate for simple businesses, like food trucks or housekeeping services, that don’t usually have lengthy timing differences between when transactions occur and when they are paid for. Accrual method Many companies use the accrual method. Under this method, you record revenue and expenses when the business transaction happens — even if the money hasn’t been paid or received yet. Balance sheet accounts like accounts payable and accounts receivable are used to keep track of what you owe and are owed. The accrual method is typically used by businesses that are required to follow Generally Accepted Accounting Principles (GAAP), as well as businesses that have inventory. Because the accrual method can be more complicated, it typically requires the use of double-entry accounting software or a bookkeeping service . Components of a P&L statement A profit and loss statement can give you valuable insight into your business and its profitability, but to create a P&L statement, you’ll need to understand the key metrics that go into this important document. Though these metrics can vary from company to company, they generally include the following: Gross revenue: Money received from selling your goods or services. Discounts and returns: Money lost to product returns and discounts. Net revenue: Gross revenue minus any discounts and returns. Cost of goods sold (COGS): Cost of producing goods and services, including materials, labor and any other costs involved in creating what you’re selling. Gross profit: Net revenue minus COGS. This tells you if you’re selling products for more than they cost to make. In a profitable business, it should always be a positive number. Pretax income: Gross profit minus operating and non-operating expenses, not including tax. Operating income: Gross profit minus operating expenses. It’s also referred to as operating profit. Operating expenses: Management salaries, utilities, rent, insurance, supplies and other costs that are needed to run the business but not directly tied to producing the product or service you’re selling. These expenses are sometimes called “fixed costs” or “overhead.” Non-operating expenses: Any business expenses that are not related to your core business operations, such as interest expenses, litigation costs and losses on the sale of business assets. Net profit (or loss): Pretax income minus income taxes. This is also called the “bottom line.” Net profits are a key metric in your P&L statement: A positive number reflects profit, and a negative number indicates a loss. Losses occur when slow or declining sales are not sufficient to cover operating expenses, or expenses escalate faster than sales. A net loss is a sign of trouble but doesn’t tell the full story. To find out why your business wasn’t profitable, you’ll have to examine individual expense categories. Comparing performance trends over time, like quarter to quarter, may help you pinpoint the areas causing problems. How to make a profit and loss statement The first step in creating a P&L statement is to gather data on sales and expenses. Important information you’ll need to pull together includes: For revenue: Cash register or POS terminal printout Merchant account summary of credit card sales Reports from other payment processors, like Stripe, Venmo, Paypal or Zelle Copies of invoices you sent to customers For expenses: Bills from suppliers Statements for credit cards you’re using for business expenses Payroll processing reports, if you have employees Next it’s time to put your data into the right format. You can purchase accounting software or create your own P&L statement in a spreadsheet. Accounting software is generally the most efficient approach because after you input your data, the program automatically generates the P&L statement and other financial reports. But if you’re running a simple business or creating a forecast of future profits based on assumptions, called a pro forma income statement, a spreadsheet may be the easiest tool for the job. You can build your own P&L spreadsheet or download a free template. Profit and loss statement templates While the easiest method is using accounting software, you can also create a P&L sheet using Excel, Google Sheets or an existing template. SCORE : This template uses Excel and focuses on a one-year projection, with spaces for local, state and federal taxes. IRS Form 1040 : If you primarily need P&L information for taxes, you can fill it in directly to the IRS form. Smartsheet : If you need a barebones template for a short, visually appealing overview, Smartsheet’s template can be filled out directly in your browser. DC.gov : Optimized for new businesses, this Excel template uses monthly projections for year one, quarterly projections for year two and yearly projections through year five. Other financial tracking forms In addition to the P&L statement, other financial reports that will help you fully understand your business’s health include: Cash flow statement: If you use the accrual accounting method, you’ll need a cash flow statement to tell you what’s causing cash to flow in and out of your bank account. Cash flow statements generally cover all sources of cash, including cash generated through operating activities, investing activities and financing activities. Balance sheet: This report keeps track of your assets, liabilities and equity . Assets are things you own like real estate, machinery and patents, while liabilities are debts you owe, such as taxes, leases and loans. By subtracting liabilities from assets, you can assess the amount of equity — or ownership stake — you have after all debts are paid. Comparison to budget: Creating a business budget and comparing it to your real financial statements is a great way to analyze where you’re succeeding and where you can improve. Adjust your budget regularly to make sure it reflects your business reality. Get Small Business Loan Offers Customized for You Today
Markdown	[Skip to content](https://www.lendingtree.com/business/profit-and-loss-statement/#main-content) How Does LendingTree Get Paid? LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available. How Does LendingTree Get Paid? How Does LendingTree Get Paid? LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available. Close # What Is a Profit and Loss Statement? ![Katie Ziraldo, Author at LendingTree](https://www.lendingtree.com/wpm/app/uploads/2025/06/Katie_Ziraldo-96x96.webp) Written by [Katie Ziraldo](https://www.lendingtree.com/writer/katie-ziraldo/) ![Laura Roden, Author at LendingTree](https://www.lendingtree.com/wpm/app/uploads/2024/09/laura-roden-50x50-66e2c3c267ba1.webp) Written by [Laura Roden](https://www.lendingtree.com/writer/laura-roden/) ![Dawn Daniels, Editor at LendingTree](https://www.lendingtree.com/wpm/app/uploads/2025/06/Dawn_Daniels-96x96.webp) Edited by [Dawn Daniels](https://www.lendingtree.com/writer/dawn-daniels/) \+ 1 More \+ 2 More Updated Nov 04, 2025 Content was accurate at the time of publication. Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our [editorial guidelines here](https://www.lendingtree.com/business/profit-and-loss-statement/). A profit and loss (P\&L) statement summarizes revenue and expenses over a specific period. It’s also called a “P\&L statement,” “income statement” or “income and expense statement.” A P\&L statement can provide valuable insight into a company’s financial health. Creating one for your business can help you monitor profitability, make decisions about future investments and prepare to apply for funding. Key takeaways - A profit and loss statement provides an overview of a company’s sales, expenses and net income over a period of time — usually monthly, quarterly or annually. - A P\&L statement can inform business decisions by helping business owners understand where their money is coming and going, and how the current state of operations is impacting their bottom line. - Many lenders require businesses to provide a long list of financial documents, including a profit and loss statement, when they apply for small business financing. ## What is a profit and loss statement? A profit and loss statement is an important financial document that tracks a business’s revenue and expenses and shows whether or not it was profitable — and by how much — during a specific period of time. While larger companies may choose to complete P\&L statements on a quarterly or annual basis, small businesses may want to calculate profit and loss statements monthly. The profit and loss statement shows important information that, when analyzed alongside balance sheets and cash flow statements, can make business decisions easier. For instance, a P\&L statement can help you: - Identify seasonal, monthly, quarterly and annual trends in sales - Calculate which products or services are most profitable - Track where you’re spending money on expenses - Identify areas for management improvement - Evaluate the success of your [business plan](https://www.lendingtree.com/business/writing-a-small-business-plan/) - Prepare for [tax season](https://www.lendingtree.com/business/tax-preparation-checklist/) ## What are P\&L statements used for? The main purpose of a profit and loss statement is to tell you if your company is making or losing money over a specific period of time, typically monthly, quarterly or annually. You can use profit and loss statements to [manage small business finances](https://www.lendingtree.com/business/managing-small-business-finances/) and make strategic decisions about your business. In addition to keeping tabs on financial health, a profit and loss statement is needed to secure funding, like [business loans](https://www.lendingtree.com/business/small/) and lines of credit. Many lenders, including the Small Business Administration (SBA), require applicants to submit a P\&L statement during the [loan application process](https://www.lendingtree.com/business/requirements/how-to-get-a-business-loan/). ## Types of profit and loss statements There are two accounting methods used for P\&L statements: the cash accounting method and the accrual method. ### Cash accounting method With the cash accounting method, you record sales and expenses when you actually receive or spend money. For example, if you give customers 90 days to pay, you don’t record sales until you receive payment from them. This easy accounting method may be adequate for simple businesses, like food trucks or housekeeping services, that don’t usually have lengthy timing differences between when transactions occur and when they are paid for. ### Accrual method Many companies use the accrual method. Under this method, you record revenue and expenses when the business transaction happens — even if the money hasn’t been paid or received yet. Balance sheet accounts like [accounts payable](https://www.lendingtree.com/business/accounts-payable/) and accounts receivable are used to keep track of what you owe and are owed. The accrual method is typically used by businesses that are required to follow Generally Accepted Accounting Principles (GAAP), as well as businesses that have inventory. Because the accrual method can be more complicated, it typically requires the use of double-entry accounting software or a [bookkeeping service](https://www.lendingtree.com/business/best-practices/). ## Components of a P\&L statement A profit and loss statement can give you valuable insight into your business and its profitability, but to create a P\&L statement, you’ll need to understand the key metrics that go into this important document. Though these metrics can vary from company to company, they generally include the following: - Gross revenue: Money received from selling your goods or services. - Discounts and returns: Money lost to product returns and discounts. - Net revenue: Gross revenue minus any discounts and returns. - Cost of goods sold (COGS): Cost of producing goods and services, including materials, labor and any other costs involved in creating what you’re selling. - Gross profit: Net revenue minus COGS. This tells you if you’re selling products for more than they cost to make. In a profitable business, it should always be a positive number. - Pretax income: Gross profit minus operating and non-operating expenses, not including tax. - Operating income: Gross profit minus operating expenses. It’s also referred to as operating profit. - Operating expenses: Management salaries, utilities, rent, insurance, supplies and other costs that are needed to run the business but not directly tied to producing the product or service you’re selling. These expenses are sometimes called “fixed costs” or “overhead.” - Non-operating expenses: Any business expenses that are not related to your core business operations, such as interest expenses, litigation costs and losses on the sale of business assets. - Net profit (or loss): Pretax income minus income taxes. This is also called the “bottom line.” ### Understanding net profit Net profits are a key metric in your P\&L statement: A positive number reflects profit, and a negative number indicates a loss. Losses occur when slow or declining sales are not sufficient to cover operating expenses, or expenses escalate faster than sales. A net loss is a sign of trouble but doesn’t tell the full story. To find out why your business wasn’t profitable, you’ll have to examine individual expense categories. Comparing performance trends over time, like quarter to quarter, may help you pinpoint the areas causing problems. ## How to make a profit and loss statement The first step in creating a P\&L statement is to gather data on sales and expenses. Important information you’ll need to pull together includes: For revenue: - Cash register or POS terminal printout - Merchant account summary of credit card sales - Reports from other payment processors, like Stripe, Venmo, Paypal or Zelle - Copies of invoices you sent to customers For expenses: - Bills from suppliers - Statements for credit cards you’re using for business expenses - Payroll processing reports, if you have employees Next it’s time to put your data into the right format. You can purchase [accounting software](https://www.lendingtree.com/business/best-software/) or create your own P\&L statement in a spreadsheet. Accounting software is generally the most efficient approach because after you input your data, the program automatically generates the P\&L statement and other financial reports. But if you’re running a simple business or creating a forecast of future profits based on assumptions, called a pro forma income statement, a spreadsheet may be the easiest tool for the job. You can build your own P\&L spreadsheet or download a free template. ### Profit and loss statement templates While the easiest method is using accounting software, you can also create a P\&L sheet using Excel, Google Sheets or an existing template. - [SCORE](https://www.score.org/resource/template/12-month-profit-and-loss-projection): This template uses Excel and focuses on a one-year projection, with spaces for local, state and federal taxes. - [IRS Form 1040](https://www.irs.gov/pub/irs-prior/f1040sc--1966.pdf): If you primarily need P\&L information for taxes, you can fill it in directly to the IRS form. - [Smartsheet](https://www.smartsheet.com/sites/default/files/2022-06/IC-Simple-Profit-and-Loss-Statement-11286_PDF.pdf?srsltid=AfmBOorOas0IzSBRlr5ogZJPm97xDq8NqPO3GxBb5EJ5mgZqUQdJWOMb): If you need a barebones template for a short, visually appealing overview, Smartsheet’s template can be filled out directly in your browser. - [DC.gov](https://dc.gov/publication/profit-and-loss-template): Optimized for new businesses, this Excel template uses monthly projections for year one, quarterly projections for year two and yearly projections through year five. ## Other financial tracking forms In addition to the P\&L statement, other financial reports that will help you fully understand your business’s health include: - Cash flow statement: If you use the accrual accounting method, you’ll need a [cash flow statement](https://www.lendingtree.com/business/cash-flow-analysis/) to tell you what’s causing cash to flow in and out of your bank account. Cash flow statements generally cover all sources of cash, including cash generated through operating activities, investing activities and financing activities. - Balance sheet: This report keeps track of your [assets, liabilities and equity](https://www.lendingtree.com/business/assets-liabilities-equity/). Assets are things you own like real estate, machinery and patents, while liabilities are debts you owe, such as taxes, leases and loans. By subtracting liabilities from assets, you can assess the amount of equity — or ownership stake — you have after all debts are paid. - Comparison to budget: Creating a [business budget](https://www.lendingtree.com/business/small/budget-templates/) and comparing it to your real financial statements is a great way to analyze where you’re succeeding and where you can improve. Adjust your budget regularly to make sure it reflects your business reality. Get Small Business Loan Offers Customized for You Today [Get Started](https://www.lendingtree.com/redirect/offers?id=wp-business) Compare business loan offers Advertising Disclosures Advertising Disclosures Disclosure 1 Free LendingTree Services – Disclosure current as of 20-May-24 LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace. What portion of LendingTree’s services in connection with my loan request is free? There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. 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