Business loan advisory from the approving side of the desk.

Why loans get declined — and what we do about it

Most loan requests don’t fail because the business is bad. They fail because the request is unclear: the purpose doesn’t match the structure, the financials don’t answer the underwriter’s questions, and the banker is left to build your case for you. Bankers don’t have time to build your case for you.

We fix that before the bank ever sees your file. Purpose drives structure: why you need the money, how much, and how it comes back. Then we build the package a credit officer wants to read — because for sixteen years, we were the ones reading them.

What’s included

• Credit-readiness & underwriting support. Historical financial statements and normalization adjustments, trailing-12-month analyses, cash flow and liquidity summaries, working capital and leverage analyses, debt schedules, covenant calculations, and management discussion & analysis written for lender review.
• Forecasting & pro forma modeling. 12–36 month forecasts, direct and indirect cash-flow projections, pro forma DSCR, leverage and liquidity ratios, sensitivity and stress-test scenarios, and borrowing-base projections.
• Placement & negotiation support. Lender identification from our network, package submission, coordination of underwriting requests, and term-sheet negotiation support — with you and your counsel keeping every decision.
• Ongoing lender reporting. After closing: covenant compliance certificates, borrowing-base certificates, KPI dashboards relevant to credit performance, and the recurring reporting your loan documents require.
• Non-recourse structuring. Where the deal supports it, we pursue structures that release or avoid personal guarantees — protecting the principals’ personal balance sheets. Ask us about the hotel refinancing where we did exactly that.

Loan types we place

• Working-capital lines of credit (start with our free Line of Credit Sizer — it uses the same math banks use)
• Commercial term loans and equipment financing
• Commercial real estate and construction loans, including spec construction
• Bridge facilities and refinancings — including guarantee-release restructurings

How we charge

Loan advisory runs on our contingency structure: a tiered percentage of financing closed — 2.00% on the first $5 million, 1.50% on the next $5 million, 1.00% above $10 million, earned only when your loan actually funds. No funding, no fee. Ongoing lender reporting after closing can fold into a monthly retainer.

Frequently asked questions

Which lenders do you work with?

Community banks, regional banks, credit unions, and private construction lenders across Florida and nationally. We match the deal to the lender whose credit box it actually fits — that’s half the game.

My bank already said no. Is it worth trying again?

Often, yes. A decline usually means the request as presented didn’t fit that lender’s box. We diagnose why, repair the package or the structure, and take it to lenders whose appetite matches your profile.

What do you need from me to start?

Three years of financials and tax returns, current interim statements, a debt schedule, and an honest conversation about purpose. If your books aren’t ready for that, we’ll get them ready first.