Our approach
Start with the business. Build the financing around it.
We begin with what the capital needs to accomplish, how the company operates, and what the financial picture can support. Then we compare structures by fit, economics, and execution requirements.
How the review starts
The objective comes before the product
Working capital, a refinance, an acquisition, equipment, and a business transition do not create the same financing need. We start with the intended use, timing, and existing obligations so the review has a clear direction.
01
Define the objective
Clarify what the capital is for, when it is needed, and what it should support inside the business.
02
Understand the business
Review how the company earns, collects, spends, and manages its operating cycle.
03
Review the financial picture
Consider revenue, cash flow, assets, current debt, and the information relevant to the request.
04
Focus the structure
Identify the structures worth comparing, the remaining questions, and the materials needed for the next stage.
Structure fit
Look beyond the headline amount
The most useful comparison shows how much capital is actually available, what the business must repay, what secures the facility, and what the structure requires over time.
Capital available
Facility size, net proceeds, draw availability, reserves, and any required payoffs.
Repayment and cost
Payment schedule, amortization, total obligation, fees, and prepayment terms.
Flexibility and requirements
Draw mechanics, covenants, reporting, renewals, and operating restrictions.
Collateral and existing debt
Collateral, lien position, guarantees, subordination, and obligations that may remain in place.
We compare the complete operating commitment, not one rate, payment, or headline figure.
Preparing for review
Bring the information that explains the business
The exact request varies by structure. These materials usually create the clearest starting point.
Use the financing readiness guide →- Recent business bank statements
- Current year-to-date profit and loss statement and balance sheet
- Prior-year financial statements or business tax returns
- Current debt schedule and financing agreements
- Accounts receivable and accounts payable aging reports, when applicable
- Clear use of proceeds and requested timing
- Ownership and company background
- Relevant collateral or transaction schedules, when applicable
Not every review requires every item. The business objective and proposed structure determine what comes next.
Start a financing conversation
Put the objective and the current picture in one place
Tell us what the business is working toward, what financing is in place today, and what the capital needs to accomplish. We’ll use that context to focus the conversation.
Financing is subject to application, underwriting, approval, eligibility requirements, and final documentation.