Financing Consulting
Simply put, we share essential Information, our expertise and knowledge to help businesses attain goals and solve problems. We work closely with companies or individuals seeking capital to implement plans for their financial futures by offering professional guidance and personalized financial advice.
To the extent desired, we act on behalf of potential borrowers to get the best loan for their financial situation. We have established relationships with national, local and community banks which allows us more opportunities to find the most agreeable loan terms for our clients based on first-hand knowledge of preferred loan structures.
Business and Financial Plans
The quality and content of your business plan is the most crucial factor impacting the decision to lend funds. Your plan is a written representation of your business and the first impression lenders have of its operations and management. A well-written business plan indicates to the lender that you have given serious thought to all of elements required to run a successful business.
We start with a personal interview to ensure your plan reflects the unique personality of you and your business. We assist you in researching and writing a business plan that is comprehensive and focuses on the most important criteria lenders evaluate in the decision making process. We work with you closely to understand your company's goals, outline your business plan and prepare key elements, such as your industry and market analysis, financial projections, cash flow analysis and sales plan. Our SBA lending experience will help you to present your ideas in a polished plan that is solid, well-researched, realistic and true to industry averages.
Representation
Would you go to trial without an attorney? Probably not, if you thought it might hurt your chances of winning your case.
Approaching a bank for a business loan is a very similar scenario. Before going to the bank, there is a vast amount of information you need to know and having the correct answers to the questions that will be asked can make the difference in getting your funding request approved or declined.
Using our knowledge and experience in the banking industry, we offer our clients "inside" knowledge and valuable representation throughout the application and underwriting process. It's important to think like a banker and we can help you with that.
We're well connected to a diverse network of lenders. That means we have options when it comes to presenting the merits of your loan request. We take the time to meet with and make a formal presentation to selected lenders who have an interest in accepting your loan request.
Financial Package Preparation
When you apply for commercial funds, the process is not so cut and dry as applying for a credit card, for instance. The lender must evaluate several pieces of criteria such as your character, competency, clear financial plan for using the capital and the ability to repay it, among other things. We take the time to gather and assemble all required documentation based on our knowledge of lender requirements, as well as ensuring your business and financial plans address all questions your loan officer will have during the evaluation process. We identify weaknesses or eligibility issues and address them before they become areas of concerns to the lender.
We design your financial package to provide the elements of what lenders want to know before they will agree to even consider lending money to your small business. The final result is a well-organized financial package that presents your company's request in the best possible light as well as expedites the evaluation timeline.