We collect your last two years of business and personal tax returns, year-to-date profit-and-loss statements, recent business bank statements, a current personal credit report, and a summary of what you need funding for. This review reveals your debt-service-coverage ratio, your liquidity, your credit profile, and any red flags underwriters will see. We tell you honestly whether your file is ready or what needs to improve before submission.
### Step Two: Program Matching
Based on your documents, we identify which programs you qualify for and explain the trade-offs. SBA loans offer long terms but require extensive documentation. Working capital products fund faster but carry shorter repayment windows. Equipment financing approves quickly when the collateral is clear-cut. We show you the approval criteria for each option so you understand why we recommend one path over another.
### Step Three: Application and Underwriting
We compile your application package, write the narrative that explains your business model and use of funds, and submit to lenders whose underwriting appetite aligns with your profile. During underwriting, lenders may request additional documents, updated financials, or clarification on specific line items. We manage that process and help you respond in ways that maintain approval momentum.
### Step Four: Closing
Once approved, you review the final loan agreement, sign documents, and receive funding. We explain every term so you know exactly what you are committing to. There are no surprises at closing because we have already walked you through the approval conditions, the collateral requirements, and the repayment schedule.
