Our 7-step process covers everything — file preparation, credit coaching, bank matching, and full management until funds are in your account. Here’s exactly how it works, and what we review along the way.
We go deeper than any other consultant. Our rigorous process is why our clients get approved — at bank rates.
Tell us about your business, your funding goals, and what you need the capital for. Our application includes all the necessary information for bank submission including document upload — we handle everything from here.
We conduct a full review of your business tax returns and credit report — exactly how banks evaluate you — so we know your true position before approaching any institution.
If your credit needs strengthening, we don't just flag it — we give you a precise, fast-track plan to improve your score in the quickest way possible before submitting to banks. This step alone can be the difference between approval and rejection.
We map your full debt schedule — existing loans, obligations, and liabilities — to determine your real borrowing capacity and structure your application in the most favorable way for bank underwriting.
Using everything we've learned — your financials, credit, debt schedule, industry, state, and city — we identify the exact bank program and banking partner most likely to approve you at the best possible rate. We also find banks and programs for files that many institutions would otherwise decline.
We put you directly in touch with our personal representative at the bank — not the first available person you'd get walking in off the street. You go straight to the top of the pile. We set up the call, prepare you for exactly what to expect, and make sure you're positioned for success before you speak to anyone.
We facilitate every step of the process until funds are in your account — at true bank rates. Simple files can close in as little as 10 days. More complex files typically take 4–6 weeks — still up to 3x faster than navigating the bank process on your own.
When your file lands on an underwriter's desk, this is every document they examine. We prepare, review, and optimize all of it before approaching any bank.
The first thing a bank pulls. Your personal FICO score, payment history, utilization, derogatory marks, and hard inquiries all directly impact your approval odds and the rate you receive. Most banks require 650+ for a line of credit, 680+ for a term loan.
We review your personal credit before approaching any bank — so there are no surprises and your score is in the best possible shape when it counts.
Banks check your business credit files at Dun & Bradstreet, Experian, and Equifax Business. A thin or non-existent business credit file can slow approval even when personal credit is strong. Your PAYDEX score and business payment history matter.
Many businesses don't know their business credit profile exists — or what's in it. We review it and fix problems before any lender sees it.
Banks treat tax returns as the gold standard of income verification. They reveal revenue trends, profitability, write-offs, and whether your business is growing or declining. Two years minimum — three preferred. Large write-offs can suppress stated income and hurt approval.
We review your returns through the same lens as a bank underwriter — so we know what they'll see and can address issues before submission.
The P&L shows your business's revenue, expenses, and net profit over time. Banks use it to assess operating profitability, expense trends, and whether your business generates enough income to service new debt. Year-to-date P&L is often required alongside tax returns.
We ensure your P&L tells the right story — consistent with your tax returns and bank statements, with any anomalies explained proactively.
The balance sheet shows your business's assets, liabilities, and net worth at a specific point in time. Banks use it to assess solvency, liquidity, and collateral availability. A strong balance sheet with positive net worth significantly improves approval odds for larger loans.
We identify collateral opportunities and balance sheet strengths that can be highlighted to the bank — and flag liabilities that need addressing first.
Bank statements show actual cash flow — not what's on paper, but what's real. Banks look at average daily balances, monthly deposits, NSF occurrences, and whether the business consistently maintains positive cash. Negative average balances or frequent overdrafts are serious red flags.
We advise you on the optimal time to apply based on your statement cycles — so the bank sees your strongest months, not your weakest.
A debt schedule lists every existing loan, MCA, line of credit, and financial obligation — with balances, monthly payments, and maturity dates. Banks use it to calculate your Debt Service Coverage Ratio (DSCR). Too much existing debt relative to income is one of the most common reasons for bank declines.
We build and optimize your debt schedule before any bank sees it — advising on which obligations to address first to maximize your borrowing capacity.
The PFS is a complete snapshot of the owner's personal financial position — all personal assets, liabilities, and net worth. Banks require it because most small business loans carry a personal guarantee. If the business can't repay, the bank looks to the owner's personal assets. A strong personal net worth significantly supports approval.
We walk you through the PFS step by step and ensure it's consistent with every other document in your file — no gaps that trigger underwriter questions.
Banks are required to verify the legal identity of the borrower and the legitimacy of the business entity. These documents establish that your business is properly formed, in good standing, and that you are who you say you are. Missing or inconsistent business documents are a common source of processing delays.
We provide a complete document checklist upfront and coordinate everything in one organized package — so the bank has everything on day one with no delays.
Takes less than 2 minutes. No credit check. We review your situation and tell you exactly what you qualify for.