Helping Businesses Become SBA Ready for Capital or Exit
Most businesses do not have a financing problem.
They have a readiness problem.
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 approaching lenders or buyers
Financing • Refinancing • Business Acquisition • Business Exit Planning
About Us
I’m Attilio Pane, founder of Pane Firm.
I help business owners understand where their business stands from a lender, buyer, and financial readiness perspective. Many businesses wait until they need financing or want to sell before discovering problems in their financials, cash flow, documentation, or debt structure.
Pane Firm was created to help owners fix those issues before they become obstacles.
Our goal is simple: help your business become cleaner, stronger, more financeable, and better prepared for capital or exit.
Who We Help
Pane Firm works with business owners who are preparing for:
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SBA working capital
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Business expansion
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Equipment financing
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Debt refinancing
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Buying a business
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Selling a business
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Improving financial performance
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Strengthening lender readiness
Whether you need capital now or want to prepare for a future sale, the first step is knowing where your business stands.
Why Businesses Get Declined
Most Businesses Don’t Get Declined Because They Are Bad Businesses
They get declined because they are not lender-ready.
Common issues include:
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Weak cash flow
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Poor financial reporting
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Excessive debt
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Missing documentation
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Unclear profit trends
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Inconsistent tax returns
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Low debt service coverage
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Disorganized books
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Unclear working capital needs
Pane Firm helps identify these problems before a lender, buyer, or underwriter does.
What Becoming SBA Ready Can Mean
Becoming SBA Ready can help your business:
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Improve approval potential
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Increase borrowing capacity
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Strengthen buyer confidence
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Reduce underwriting delays
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Improve cash flow visibility
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Prepare cleaner financial packages
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Avoid surprises during due diligence
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Position the business for growth or sale
The goal is not just to apply for financing.
The goal is to be prepared before you apply.
SBA Ready Assessment™
The SBA Ready Assessment gives you a clear picture of where your business stands today.
We review:
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Profit & loss
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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 needs
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Financial documentation
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Lender readiness concerns
You receive a practical readiness review showing what may need to be improved before seeking capital or preparing for a sale.
SBA Ready Monitoring™
Readiness is not a one-time event. It needs to be maintained.
Our monthly monitoring service helps business owners stay aware of the numbers lenders and buyers care about most.
Includes:
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Monthly Business Performance Review
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Cash flow monitoring
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Financial trend reporting
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SBA readiness score updates
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Debt and working capital review
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Readiness improvement recommendations
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Strategy review sessions
This service is designed for owners who want to stay prepared before they need capital or before they decide to sell.
SBA READY FOR CAPITAL™
If your business needs working capital, equipment financing, expansion funding, or refinancing, we help prepare your business before approaching lenders.
We help with:
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Financial package preparation
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Documentation organization
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Cash flow review
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Debt structure review
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Capital strategy recommendations
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Lender readiness support
The goal is to help your business present a stronger, cleaner, more organized financial picture.
SBA READY TO SELL™
A business that is easier to finance is often easier to sell.
Pane Firm helps business owners prepare for a future sale by improving financial clarity, buyer confidence, and lender readiness.
We help review:
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Financial reporting
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Profitability trends
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Cash flow strength
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Debt structure
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Buyer financing readiness
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Documentation gaps
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Value enhancement opportunities
If a buyer needs SBA financing, your business should be prepared before it goes to market.
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
SBA Readiness & Capital Advisory
© 2026 by Pane Firm, LLC