Business consulting
More than access to financing
A loan is one line in a much larger business decision. I work with owners on the strategy around that decision — whether the timing is right, whether the numbers support it, and what needs to be in place before anyone submits an application.
Areas of work
Where consulting makes the biggest difference
Business financial strategy
Align how you fund the business with where you're trying to take it over the next one to three years.
Funding readiness
An honest review of whether your business is positioned to be financed today, and what would change that.
Cash-flow planning
Map how cash actually moves through your business so decisions are made on real timing, not averages.
Business growth strategy
Pressure-test expansion, new locations and new service lines before capital is committed.
Financing preparation
Organize the file, resolve inconsistencies and prepare the narrative underwriters will read.
Business plan guidance
Build projections with assumptions you can defend in a lender conversation.
Financial documentation preparation
Statements, debt schedules and supporting documents assembled in a form lenders can work with.
Expansion planning
Model the ramp period between spend and revenue, and size capital to survive it.
Startup guidance
Realistic capital planning for first-time owners and franchise buyers.
Business structure & operations guidance
Practical guidance where professionally appropriate, with referral to your attorney or CPA where it isn't.
Readiness
Are you actually ready for financing?
Obtaining financing is only one part of the process. These are the factors that determine whether a file is strong today — and where preparation pays off most.
- Revenue
- Is it consistent, growing, concentrated in a few customers, or seasonal?
- Cash flow
- After operating costs and existing payments, what's genuinely left?
- Existing debt
- How much, at what cost, on what payment frequency, and secured by what?
- Credit profile
- Business and personal — including anything that needs explanation.
- Business history
- Time in business, entity structure and ownership changes.
- Financial statements
- Do the P&L, balance sheet, tax returns and bank activity agree?
- Purpose of funds
- Specific and documented, not general working capital.
- Repayment ability
- Coverage in a normal month and in your weakest month.
- Growth plans
- What the capital enables, and what happens if it takes longer.
If several of these need work, that is useful information — not a dead end. We build a timeline, fix what can be fixed, and revisit financing from a stronger position. Related reading: How to Prepare Your Business Financials Before Seeking Financing.
Next step
Let's talk about your goals
Whether you're exploring financing, preparing for your next stage of growth, or simply aren't sure which direction makes sense, start with a conversation.