Services

1) Pre-qualification & strategy

Quick eligibility and fit check: use of funds, leverage, cash flow, collateral, and timeline. We outline realistic options across private capital and SBA (real estate only) and recommend the shortest path to funding.

2) Packaging & positioning

Underwriting-ready narrative, sources/uses, debt schedules, DSCR/coverage view, and a concise risk/mitigation section—prepared in the format 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 SBA real estate (51% existing; 61% new construction)

3) Targeted lender match

We maintain a curated network of private lenders, funds, and private non-bank SBA partners. Our research process surfaces lenders who regularly fund similar use-of-funds, asset classes, or industries—so outreach is focused and productive.

4) Underwriting navigation

We anticipate questions, organize third-party items (appraisal, environmental, title when required), 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.

Private real estate (with select no-appraisal options)

Business-purpose bridge and term loans for acquisition, refinance, renovation, and value-add. In select scenarios, no-appraisal programs may be available subject to lender guidelines.

Bridge to SBA

Move now, then refinance into SBA 7(a) or CDC/504 when the file is ready.

• Real estate-secured bridge (interest-only typical)
• Equipment-secured bridge
• Unsecured bridge up to $1,000,000, fully amortized (no interest-only)

SBA (private non-bank) — real estate only

Owner-occupied commercial real estate via private SBA partners: 7(a) and CDC/504. We model eligibility, occupancy (51%/61%), and a Rent Replacement view when appropriate.

Business plans & financial projections

Concise, lender-friendly plans and granular models with scenario cases. Clear, defensible assumptions help credit teams decide with confidence.