The story behind the numbers
You and your banker want the same outcome: a deal that works. But your loan officer can only work with what you provide and must represent your business to a credit committee that may never meet you.
They need more than numbers. They need a clear, credible story that explains why the business looks the way it does, what the past three years reveal, and where it is headed next.
There is a second piece many business owners overlook: the banking relationship itself. If you contact your bank only when you need financing, every request starts from the beginning. Strong relationships are built between requests.
I help you build the story behind the numbers, so your next conversation starts further ahead than this one.
What we build
A lender readiness review. Where you stand before you apply, not after.
A gap analysis against the credit metrics your lender will apply.
Recast financials with documented adjustments.
Cash flow models and supporting documentation.
A written credit narrative for your lending team.
I have been on both sides of the table
As a partner in both projects, I led the financing for an 8,126-square-foot commercial building in 2008 and a 7,070-square-foot renovation in 2024. I also negotiated two subsequent refinances of the 2008 building.
More than 20 years inside growing businesses gave me the other perspective. I built the forecasts, prepared the valuations, and assembled the financial packages presented to lenders and credit committees.
I know what lenders need and how to present the information they rely on.
Commercial Loan Preparation
