Services

1) Pre-qualification & strategy

Quick eligibility and fit check: use of funds, cash flow, guarantor profile, and program alignment (7(a), CDC/504, Express, USDA B&I). We outline a realistic path, timeline, and next steps.

2) Packaging & positioning

Underwriter-ready narrative, sources/uses, debt schedules, DSCR view, and a concise risk/mitigation section. We prepare files in the format loan officers and credit teams expect.

• Business plan and three-statement projections (monthly P&L, cash flow, balance sheet)
• Assumption notes and sensitivity cases
• Owner-occupancy mapping for real estate (see below)

3) Targeted lender match

We primarily work with Preferred SBA Lenders (PLP) who can issue delegated decisions—often shortening review cycles. Our proprietary research surfaces lenders who have funded similar uses of funds, asset classes, or industries.

4) Underwriting navigation

We anticipate questions, organize third-party items, and help resolve conditions. The goal: reduce back-and-forth and keep momentum toward a clear decision.

5) Closing coordination

From commitment through close, we assist with documentation flow, timing, and lender communications so you can focus on operations.

Business owner-occupied real estate & Rent Replacement

We guide eligibility and growth plans around SBA’s occupancy rules—51%+ for existing buildings and 61%+ for new construction. Our Rent Replacement approach helps convert rent into ownership payments with a path to up to 100% financing when criteria are met.

Bridge to SBA

When timing is critical, we can explore short-term bridge options that refinance into SBA 7(a) or 504 once the file is ready.

• Real estate secured bridge solutions
• Unsecured bridge options up to $1,000,000 (subject to credit and lender guidelines)

Business plans & financial projections

We build concise, lender-friendly plans and granular three-statement models with scenario cases and footnotes. Clear, defensible assumptions can make or break a deal—ours are built for underwriting.