What We Do
Most Businesses Don't Need More Financing Options.
They Need Better Financing Readiness.
Many businesses are denied financing or struggle to sell because:
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Financials are not organized properly
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Cash flow does not support lender requirements
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Debt structure is hurting approval chances
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Documentation is incomplete
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Buyers cannot qualify for financing
Our job is to identify those issues and help fix them before approaching lenders or buyers.
Our Process
We review:
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Financial Statements
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Tax Returns
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Cash Flow
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Existing Debt
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Bookkeeping Quality
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Financing or Exit Goals
After our review, we provide an SBA Ready Score™ and outline the next steps.
Step 1: Complimentary SBA Ready Assessment™
Your business will typically fall into one of three categories:
1. SBA Ready
Ready to move forward with financing today.
2. Nearly Ready
A few improvements are needed before approaching lenders.
3. Not Yet Ready
Financial improvements are needed before financing or sale can be pursued successfully.
Step 2: Identify the Gaps
If improvements are needed, we help implement a clear roadmap to improve lender readiness, financial organization, and overall financeability.
Step 3: Create the Plan
SBA READY FOR CAPITAL™
We help businesses prepare for:
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Working Capital
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Equipment Financing
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Expansion Financing
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Commercial Real Estate Financing
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Acquisition Financing
Once ready, we help package the transaction and connect you with lenders that best fit your situation.
Why This Matters
No two SBA lenders are alike.
Different lenders have different:
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Credit requirements
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Industry preferences
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Cash flow requirements
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Acquisition appetites
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Refinancing guidelines
We help identify the right lender for the right transaction.
SBA Debt Refinance™
Improve Cash Flow Through Better Financing
Many businesses are carrying:
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Merchant Cash Advances
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High-Interest Business Loans
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Multiple Debt Payments
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Short-Term Financing
We help evaluate whether SBA refinancing may improve:
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Monthly Cash Flow
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Loan Terms
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Interest Costs
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Business Stability
SBA Business Acquisition Financing™
Buying a Business?
We help buyers:
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Understand SBA requirements
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Prepare lender-ready documentation
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Evaluate financing readiness
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Connect with lenders experienced in business acquisition financing
Our goal is to make the financing process smoother and more predictable.
SBA Ready To Sell™
Preparing Businesses for a More Financeable Sale
Many business sales fail because:
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The financials are not organized
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Buyers cannot obtain financing
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Lenders are uncomfortable with the transaction
Our SBA Ready to Sell™ process helps businesses improve:
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Financial organization
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Lender readiness
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Buyer confidence
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Sale preparation
The result is often a more financeable and marketable business.
WHY CLIENTS WORK WITH US
We Focus on SBA Readiness
We start with the outcome:
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Capital
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Growth
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Refinancing
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Acquisition
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Exit
Then we identify what must happen financially to get there.
We Understand Lender Expectations
Different lenders have different requirements.
We help businesses prepare before approaching lenders, increasing efficiency and reducing unnecessary declines.
We Help Create Opportunities
Whether you're looking to grow, refinance, acquire, or sell, we help improve your financial readiness and financing options.
Pane Firm
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