For banks & SBA lenders

A file that underwrites
the first time.

Projections built from the business rather than backward from the ask. Historicals that tie to the tax return. Assumptions documented well enough that your credit memo has something to cite. We do not opine on credit and we never see your decision.

Other partner types

You do the tax returnCPA & tax firms

You underwrite the fileBanks & SBA lenders

You sit on the boardFunds & angels You're selling the companyM&A & fractional execs

The full partner overview — boundary, mechanics, team →

What actually happens

Three ways a file costs you
a week you did not budget.

Each one arrives looking like a documentation problem. None of them is.

All three are preparation problems, and all three are ours to fix before the file ever reaches your desk.

Built to the number

Projections reverse-engineered to the ask

The model hits coverage because it was built to hit coverage. Growth is a straight line, margin never moves, and nothing behind it survives the first real question.

The send-back loop

Three rounds before the file is complete

Each round costs a week and costs the borrower patience, and the borrower is irritated at you rather than at whoever built the spreadsheet.

Nobody can defend it

Assumptions with no owner

The workbook came from somewhere. The borrower did not build it, cannot explain the revenue build, and guesses when asked. That is a preparation problem, not a documentation one.

The division of labor

Who owns what,
written down.

We are on the borrower side of this line and we intend to stay there. Nothing below puts us anywhere near your credit decision.

You keep

The credit decision, entirely
Structure, pricing and covenants
Your underwriting standards and checklist
The borrower relationship

We take

Projections tied to historicals, with a revenue build
Assumption memos a credit analyst can follow
Direct answers to your analyst's questions
Monthly close and post-close covenant reporting

What we never do

Tax preparation, audit or attest work
Any opinion on the credit decision
Contacting your credit committee for a borrower
Work we would not put our own name on

Use this before the file reaches you

What actually sends
a file back.

Six things a credit analyst finds in week one. Send them to a borrower before they build anything and you will spend fewer weeks in the send-back loop, whoever ends up preparing the file.

Projections that land exactly on coverage, with a straight-line revenue build
Historicals that do not tie to the filed return
No documented assumption behind the revenue or the margin
A workbook the borrower did not build and cannot explain
Interim financials a full quarter out of date
Add-backs asserted in a narrative with no schedule behind them

Borrow this line

“Before you send me projections, have someone who does this every month build them from your actuals. It will save us both three rounds.”

Reframes preparation as the borrower’s job rather than yours, without naming anyone. If they ask who, we are on the borrower side of that line and we never see your credit decision.

Free · no email required

What you can send a borrower today

Nothing here asks your borrower for an email address. A referral that turns into a lead-capture form makes you look bad, not us.

Note

Financial projections for an SBA loan: what lenders actually want

Send it to a borrower before they build anything. It is the single cheapest way to avoid the first send-back.

Read it → send as-is

Checklist · PDF

Diligence-readiness checklist

What has to be true before a lender or buyer opens the file. Two pages, ending in four questions a borrower should be able to answer out loud. Your logo in the header on request.

Download → co-branding on request

Calculator

Break-even calculator

Runs in the browser with example values filled in. Useful for a borrower who has never separated fixed from variable cost.

Open it → no signup

How it works

How a referral actually goes

Four steps, and only the first one is yours.

Yours

You send an intro email

That's the whole ask. No form, no portal, no partner tier, and no agreement to sign.

Within a week

We scope it in one call

Thirty minutes with the founder. If we're not the right answer we say so on that call and tell them what is.

Same conversation

They see a fixed price first

Tiers and scoped projects are published on our site. Nobody you refer gets a surprise number.

Once, then never again

You hear from us

A short note confirming what we're doing and where the boundary sits. After that we don't put you in a nurture sequence.

No referral fees,
in either direction.

We don't pay for introductions and we don't accept payment for ours. If we send you a client, it's because they need what you do. It keeps the advice clean, and it means you never have anything to disclose.