Advisory First. Execution Focused.

Most financing intermediaries operate as transaction brokers - Submitting deals to multiple lenders simultaneously, optimizing for volume, and providing minimal guidance on structure or lender selection. We operate as advisors first. We assess whether a deal is credit-ready before engaging lenders, prioritize lender alignment over speed, and decline to submit inadequately prepared applications. Our model is built for borrowers who value informed execution and want to avoid going through a full submission process only to be declined at the end.

Core Principles

Deal Structure Matters

Poorly prepared transactions fail in underwriting regardless of lender selection. We evaluate debt service, collateral positioning, cash flow support, and use-of-proceeds logic before any lender outreach. Getting the fundamentals right upfront materially improves approval outcomes.

Lenders Are Not Interchangeable

SBA lenders have distinct risk appetites across industries, transaction sizes, collateral types, and borrower profiles. Choosing the right lender for a transaction materially improves approval likelihood and minimizes wasted time.

Preparation Drives Outcomes

Lenders require coherent financial narratives, credible projections, and defensible assumptions. We prepare applications that anticipate lender questions, address risks proactively, and present transactions as manageable credit decisions rather than speculative ventures.

Execution Wins Deals

Speed without accuracy produces declined applications. We prioritize completeness, responsiveness to underwriter requests, and coordination between borrowers, sellers, and third parties. Disciplined execution closes transactions without delays in funding.

SBA Walkthrough Process

The focus is simple: Making sure the deal is ready, aligned with the right lender, and executed without unnecessary friction.

Initial Assessment

We evaluate transaction viability, borrower qualifications, collateral adequacy, and structural considerations. If fundamental issues exist, we identify them before engaging lenders.

Structuring & Positioning

We determine optimal loan sizing, equity expectations, debt service coverage ratios, and use-of-proceeds allocation. Proper preparation comes before lender outreach.

Lender Alignment

We submit to lenders with demonstrated appetite for the transaction type, industry, and borrower profile. Lender selection is strategic, not random.

Credit & Underwriting

We coordinate document requests, respond to underwriter inquiries, and address questions promptly. Delays compound when communication breaks down, so we maintain a disciplined, responsive process.

Closing & Funding

We manage coordination between attorneys, sellers, and lenders to ensure closing deadlines are met. Consistent execution reduces last-minute issues and supports timely funding.

Who this is (and isn’t) for

Built for

Serious borrowers who understand SBA financing requires documentation and time

Business acquisition, expansion, and growth transactions that require thoughtful lender positioning

Operators seeking sustainable financing rather than maximum leverage

Borrowers who value guidance and expect their advisor to understand lender decision-making

Not Built For

Rate shoppers seeking the lowest possible interest rate regardless of approval likelihood

Borrowers expecting approvals within days without proper documentation

Borrowers unwilling to respond to lender questions or follow a defined process

Borrowers expecting a one-size-fits-all lending solution

Ready for Advisory-Driven SBA Guidance?

If you're pursuing SBA financing and want strategic guidance grounded in direct lending experience rather than transactional brokerage, we can discuss your deal structure, lender positioning, and execution approach.

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