Helping Businesses Become SBA Ready for Capital or Exit
Most Businesses Don't Need More Financing Options.
They Need Better Financing Readiness.
Pane Firm helps business owners identify and correct the financial issues that often prevent SBA loan approvals, reduce borrowing capacity, delay exits, or weaken buyer confidence.
Whether you're seeking working capital, refinancing debt, acquire a business, or preparing to sell, we help you become SBA Ready before approching lenders or buyers
Financing • Refinancing • Business Acquisition • Business Exit Planning
Who We Help
We work with:
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Businesses Seeking $150K - $10 million in financing
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Business owners preparing to sell
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Buyers pursuing SBA acquisition financing
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Companies looking to refinance expensive debt
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Businesses with al least two years of operating history
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Owners who want a clearer understanding of their financial position
Why Businesses Get Declined
Most Loan Declines Happen Before the Application
Many businesses are denied financing because of issues that could have been identified and corrected before hand.
Common issues include:
❌ Weak cash flow
❌ Poor bookkeeping
❌ Excessive debt
❌ Missing documentation
❌ Inconsistent financial reporting
❌ Tax return concerns
❌ Low debt service coverage
❌ Lack of financial planning
We help identify these issues before lenders do.
About Us
I’m Attilio Pane, founder of Pane Firm.
I help business owners understand how lenders, buyers, and SBA underwriters evaluate businesses.
Using financial analysis, SBA readiness reviews, and ongoing advisory support, I help clients strengthen their financial position before they seek capital or prepare for an exit.
My goal is simple:
Help business owners become financially prepared before opportunities or challenges arise.
Why Clients Work With Us
✔️ SBA-focused advisory services
✔️ Financial clarity and lender-focused analysis
✔️ Financial reporting & Business Performance Analysis
✔️ Clear action plans
✔️ Ongoing accountability
✔️ Independent advisory approach
SBA Ready Assessment™
Before pursuing financing or preparing to sell, you need to understand how lenders and buyers may view your business.
Our Assessment Reviews:
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Profit & Loss Statements
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Balance Sheet
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Tax Returns
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Cash Flow
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Existing Debt
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Working Capital
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Bookkeeping Quality
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SBA Eligibility Considerations
Deliverables You'll Receive
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SBA Ready Score
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Capital Readiness Report
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Financing Gap Analysis
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Prioritized Action Plan
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Lender Readiness Reccomendations
SBA Ready Monitoring™
Stay SBA Ready Year-Round
Most businesses wait until they need financing before reviewing their financials. That can be costly.
Our SBA Ready Monitoring™ program helps business owners continuously improve their financial readiness and stay prepared for future financing, acquisitions, refinancing opportunities, or business sales.
Monthly Services Include:
✔️ Monthly Business Performance Review
✔️ SBA Ready Score™ Updates
✔️ Cash Flow Monitoring
✔️ Debt & Working Capital Analysis
✔️ Financial Trend Reporting
✔️ Quarterly Strategy Reviews
✔️ Email Support
Ideal For
Business owners who want ongoing financial oversight and accountability.
SBA READY FOR CAPITAL™
Preparing for Financing
Once your business is ready, we help organize and prepare your information for lender review.
Includes
✔️ Financial Package Preparation
✔️ Documentation Organization
✔️ Financial Narrative Development
✔️ SBA Readiness Review
✔️ Capital Strategy Recommendations
SBA READY TO SELL™
Preparing for a Successful Exit.
Businesses that are financially prepared often attract more qualified buyers and experience smoother transactions.
We help identify financial issues that may impact buyer confidence and SBA financing eligibility.
Includes
✔️ Financial Review
✔️ Cash Flow Analysis
✔️ Buyer Financing Readiness Review
✔️ Value Enhancement Recommendations
✔️ Exit Readiness Action Plan
WHY CLIENTS WORK WITH US
We Focus on SBA Readiness
“Pane Firm helped us clean up our financials and build a package that lenders actually wanted to see. We went from declining to funded.”
— Michael R
Manufacturer
“Attilio and his team gave us clarity on our numbers and a roadmap to increase value. We sold our business for more than we expected.”
— Sarah T.
Business Owner
“The SBA Ready Monitoring" gives me real time insight into my business. It's like having a CFO in my corner" every month.”
— David L.
Construction Company
Pane Firm
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