Not true. They are "mickey mouse" in your opinion. They are pretty solid IMO though I would like more information, escpecially NI. I could provide you with dozens of examples from my clients who had much less professional looking numbers and a much less professional story than PBLS has, and they had no problem getting financing. Of course, if I provided that information my clients could find out and get ticked, so I'll pass. Take me at my word or don't. The financials PBLS provides are not that bad. Besides they are just the financials they give to us, and not necessarily all the info they have to give to a lender.
Eom. This topic is getting a little stale IMO.
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