Credit Advisory
Expert Guidance for Your Business
Loan Assessment
Evaluate the client's financial health and creditworthiness in preparation for loan applications.
This includes determining credit capacity, identifying the best loan types, and assessing repayment ability to increase approval chances.
Loan Proposal Development
Review business plans, models, strategies, and executive summaries to compile comprehensive loan proposals.
Banking Connections
Identify and connect clients with banks that best suit their financing needs.
Guidance with Loan Process
Advise and assist clients with loan negotiation and structuring, covering key components such as terms & conditions, interest rates and fees, loan covenants, and closing requirements.
Application and Documentation Support
Ensure all required documents (financial statements, tax returns, supporting documents, etc.) are complete and properly presented.
Risk Analysis & Mitigation Strategies
Help identify potential risks in the client's business and compile plans to mitigate them, improving lender compliance.
SBA Loans
Determine if and when SBA programs are best suited for the client's credit requirements.
Bank Proposal Support
Review and consult clients on bank term sheets, commitment letters, and closing loan documents.
Post-Funding Guidance
Provide ongoing support on proper fund utilization, covenant compliance, and enhancing the client's financial health.
Debt Restructuring & Refinancing
Advise clients on renegotiating or refinancing existing debt to improve cash flow and financial stability.
Bank Relationship Building
Guide clients on enhancing their banking experience, gaining optimal value propositions, and facilitating future lending needs.
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