We read your numbers first. The borrowing decision comes after that.
Three engagements, and most clients only ever need the first. None of them cost the business owner anything, and none of them require you to borrow at the end.
- Capital review What your business can raise today, what it would cost, and whether borrowing is even the right move.
- Debt structure review What you’re carrying, what it actually costs, and whether it can be restructured into something survivable.
- Placement Packaging the file, choosing the partners, and running the process through to funding.
What we don't do
- We don't arrange merchant cash advances. We advise people out of them, which is a different job and a better one.
- We don't shop a file to twenty lenders. That produces declines that stay on the file and make the next placement harder.
- We don't charge the business owner. No application fee, no advisory fee, no retainer. If anyone asks a small business for money upfront to secure financing, walk away from them.
- We don't give investment, legal or tax advice. This is debt and capital structure. For the rest, we'll tell you to call someone who does that properly.
The instruments behind the advice
Reference rather than a menu. Which one fits is the question the capital review answers.
- SBA loans Government-guaranteed 7(a) and 504 programs. The lowest long-term cost most businesses can reach.
- Business HELOC A business-purpose line secured by your home. The cheapest line we place, and it doesn’t touch your first mortgage.
- Equipment financing Trucks, kitchen lines, medical equipment. The asset is the collateral, so the pricing is sharper and younger businesses qualify.
- Term loan A lump sum on a fixed payment. Built for a project with a return you can already estimate.
- Business line of credit Capital on standby. Interest accrues on the balance, not on the limit.
- Invoice factoring Sell unpaid business invoices and get most of the value now. Your customer's credit carries it, not yours.
Start with the review. Decide about borrowing later.
Three to six months of statements is all it takes. No credit pull, no cost, and no obligation at the end of it.