Both roles exist here, and we're direct about which one applies. For most financing we act as your advisor and place the file with the right lending partner. For our Gap Financing program we deploy private in-house capital to select businesses. We are not a bank and we are not a public lender.
No, and be careful with anyone who does. We review your reports and use legally available dispute methods to challenge information that is inaccurate, unverifiable, outdated, or incomplete. Results depend on what's actually on your reports and how the bureaus and furnishers respond.
This is one of the most common reasons owners come to us. We consult on restructuring strategy, payment arrangements, debt prioritization, creditor communication, and cash flow reorganization. We are not a debt settlement law firm and we do not provide legal advice — we work alongside your CPA and attorney.
It depends on the program. Revenue-based options move quickly with bank statements alone. Conventional, SBA, and real estate financing take longer and require a fuller document package. We'll tell you the realistic timeline at the review stage rather than after you've committed.
No. Imperfect credit is the reason most of our clients start here. If the profile isn't ready, we tell you what's blocking it and how long it typically takes to change — then we work on it with you rather than sending you a decline.
Nothing. The first review of your business profile carries no cost and no obligation. If we move into a paid engagement, the scope and fees are laid out in writing before anything begins.
It's relationship-based and selective. It's designed for existing businesses we know and have worked with, needing short-term capital while a larger financing facility is being prepared. Availability depends on underwriting review and overall business profile.
The initial review is a conversation and a document look, not a shotgun submission to twenty lenders. We tell you before anything is submitted that could result in an inquiry, and we don't scatter your file across the market.
One conversation, one honest assessment. Whether you're growing, stuck, or overleveraged — the first step is the same.
Tell us where the business is today. We'll respond within one business day.
No spam, no file blasting. We reply within one business day.