Financing and Loan Readiness
Financing decisions come down to a simple question: does the business generate sufficient, reliable cash flow to support the proposed loan?
I work with business owners and their advisors to develop financial analysis that answers that question clearly and in a format lenders are accustomed to reviewing.
I offer two levels of support depending on the stage of the financing process.
Deal Underwriting (Lender-Ready Package)
This engagement is designed to prepare a complete, lender-ready financial package that supports the loan request. The focus is on ensuring the financials are accurate,
consistent, and clearly explain how the business generates cash flow.
Includes:
• reconciliation of financials to tax returns
• revenue alignment and net income bridge
• earnings normalization and quality analysis
• balance sheet review, including working capital and debt consistency
• identification of red flags and deal readiness assessment
• development of financial projections (revenue, costs, cash flow, balance sheet)
• preparation of a lender-ready business plan integrated with projections
This level of support is typically used when preparing a loan application or strengthening
an existing request.
Valuation (Certified, Standards-Compliant)
When required, I provide a full valuation to support financing decisions, structured to meet lender and SBA expectations.
Includes:
• application of income, market, and asset-based valuation approaches
• development of a defensible conclusion of value
• supporting analysis and documentation suitable for lender review
This is typically used when a valuation is required as part of the financing process.
Choosing the Right Level of Support
Deal Underwriting is used to prepare or strengthen a financing package.
Valuation is used when a formal, standards-compliant opinion of value is required to
support the loan.
Typical engagement ranges vary based on scope and complexity.