Five stages, one point of contact, and no surprises. Here is exactly what happens from the first conversation to the day the loan funds.
Timelines vary with the program and the deal. SBA transactions with real estate run longer; conventional refinances move faster. What never changes is that you always know which stage you are in and what comes next.
It starts with a real conversation, not an application. What the business does, what you are carrying, what you are trying to accomplish, and what the timing looks like. If we are not the right fit, we will say so on this call and point you somewhere useful.
We underwrite the deal the way a lender will, before any lender sees it. Cash flow, collateral, guarantor strength, and the structures that fit. You see the trade-offs side by side, with the math done honestly, including whether staying put beats refinancing.
Deals do not get approved, files do. We assemble a complete, lender-ready package and take it only to the institutions with real appetite for your asset class, your market, and your structure, then make them compete for it.
Offers come back and the leverage flips to your side of the table. We line up every term sheet side by side, translate the fine print, and negotiate rate, fees, covenants, guarantees, and prepayment terms before you commit to anything.
Accepted term sheet to funded loan. Underwriting always asks for more: appraisals, environmental reports, title, insurance, updated statements. We quarterback every request and every third party so the file keeps moving and the closing date holds.
A short call is the fastest way to see what better financing looks like.