Specialty Engagement
Get Your Business Lender-Ready
Most loan applications fail not because the business isn't viable — but because the financials aren't presented the way lenders think. We fix that. We've helped businesses across the Mountain West improve their DSCR, clean up their books, and walk into lender meetings with confidence. Already been turned down? A rejection isn't the end — it's a diagnosis. We fix the specific issues and get you funded.
Montana-Based. Serving Clients Nationwide.
Loan Readiness Services starts at $1,500+
What this engagement covers
Loan applications fail for specific, fixable reasons: DSCR below threshold, inconsistent financials, missing documentation, or a weak business narrative. Our principal spent years on the lender side reviewing commercial loan spreads, analyzing credits, and structuring SBA participation loans. She has reviewed 300+ commercial loans from the lender's perspective and knows exactly what underwriters are looking for.
We prepare businesses for funding by improving their financial position and presenting their story the way lenders think. We run your current numbers through the same DSCR and DTI analysis lenders use, identify the specific gaps, and build an action plan. For self-employed borrowers, the challenge is compounded — tax returns show the lowest possible income (optimized for tax, not qualification), but lenders use tax return income. We bridge that gap with proper documentation. We prepare your financials in the format lenders use for underwriting, build the complete package, and help you identify the right lender for your deal type. If you've been turned down, we analyze why and fix those specific issues.
Who it's for
- Businesses 6–12 months away from seeking commercial loans
- Business owners preparing for SBA 7(a) or 504 financing
- Self-employed borrowers seeking residential or owner-occupied commercial financing
- Businesses that have been turned down and need to fix what went wrong
- Multi-location businesses needing multi-entity loan structuring
- Businesses with balloons coming due seeking refinance preparation
What you get
- DSCR and DTI analysis using lender underwriting standards
- Gap analysis with specific action plan (expense reduction, revenue recognition, debt restructuring)
- Lender-formatted financial statements (P&L, balance sheet, cash flow) in underwriting format
- Business narrative and deal memo
- Complete loan package (clean financials, tax return summaries, debt schedules, rent rolls if applicable)
- Self-employed income documentation (Schedule C / K-1 analysis with add-backs)
- Lender identification and matching
- Pre-approval guidance and underwriting support
- Post-approval compliance systems and covenant tracking
How we work
- Run DSCR/DTI baseline using actual lender analysis
- Identify specific gaps and build action plan
- Prepare lender-ready financial statements and documents
- Match you with the right lender for your deal type
- Support you through underwriting
- Set up post-approval reporting to keep you in covenant compliance
Frequently asked questions
Ready to Build Your Financial Infrastructure?
Schedule a Business Readiness Review — direct, practical, and no pressure.
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