Former commercial bank underwriters

Know what the bank thinks before you apply.

We review your financials the way a lender does. We tell you exactly where your deal is strong, where it will get pushed back, and what to fix before you submit.

See pricing How it works

Lines of credit · Owner-occupied CRE · Investment CRE · ABL · SBA loans

Sound familiar?

What lenders see that owners don't

Most business owners find out their deal has problems after they've applied. By then the relationship is strained, the clock is ticking, and the fixes take months.

Your DSCR is lower than you think

Lenders calculate cash flow including your personal obligations. The number you present and the number the bank underwrites are rarely the same.

A/R concentration quietly kills borrowing bases

If one customer exceeds 20–25% of your receivables, most banks exclude the excess. Your available credit may be far smaller than your request.

Guarantor support is thinner than it looks

Banks exclude retirement accounts from liquid net worth. A guarantor showing $1.4M may only count for half that in the lender's analysis.

The process

Three steps to lender-ready

1

Submit your package

Upload your financials, tax returns, and deal details through our secure intake form. Takes about 10 minutes.

2

Underwriter review

A former commercial bank underwriter or credit officer analyzes your deal using the same criteria a credit committee applies.

3

Fix, then apply

Receive a written memo with findings, lender concerns, and recommended fixes. Go to your lender or loan broker with confidence.

Pricing

Flat fees. Fast turnaround.

Entry
Credit Readiness Review
$299
Flat fee · 48-hr turnaround
  • Financing readiness score
  • Top 3–5 lender concerns
  • Suggested improvements
Get started See all details
Most popular Core offer
Underwriter Review
$995
Flat fee · 3–5 business days
  • Financial statement review
  • DSCR & global cash flow analysis
  • Liquidity & working capital review
  • Guarantor support analysis
  • Likely lender concerns
  • Borrowing capacity estimate
Get started See all details
Premium
Capital Readiness Package
From $2,500
Priced by complexity · 5–7 days
  • Executive summary
  • Full financial analysis
  • Debt schedule
  • Sources & uses
  • Projection review
  • Lender-ready package
Learn more See all details
FAQ

Common questions

No. A broker connects you to lenders and earns a fee on placement. We don't place loans, refer to lenders, or earn commissions. We're an independent review — your first step before you talk to a broker or bank.
Business owners with $1M–$25M in annual revenue preparing to apply for a line of credit, CRE loan, SBA loan, or asset-based facility.
Two years of business tax returns, two years of financial statements plus YTD, two years of personal tax returns for all guarantors, and a personal financial statement.
The Credit Readiness Review is delivered within 48 hours. The Underwriter Review within 3–5 business days. The Capital Readiness Package within 5–7 business days depending on complexity.
Yes. All files are encrypted in transit and at rest. We do not share your documents with lenders, brokers, or any third parties.
A decline doesn't always mean the business doesn't qualify. It often means the package wasn't presented in a way the lender could approve. We can help you identify what drove the decision and what to fix before your next application.