04 · Business
Business loans.
A one-page memo beats a rushed application.
What it covers
Working capital, equipment purchase, expansion, and acquisition financing for owner-operated companies.
Who this fits
Owners who need a lender-ready package instead of a rushed application from a broker cold call.
Method
How we prepare this file.
Ask
We frame the request with a specific use of funds and the revenue line it supports.
Numbers
Two years of returns, a clean YTD P&L, six months of business statements and a current debt schedule.
Memo
A one-page cover memo that a credit officer can read before opening the exhibits.
Documents
What you will typically need.
- 01 · Business tax returns, 2 years
- 02 · Year-to-date P&L and balance sheet
- 03 · Business bank statements, 6 months
- 04 · Debt schedule
Questions
Do you work with startups?
We work with operating companies that have at least a full year of revenue history.
SBA or conventional?
Both, depending on the ask and the timeline. We help you decide which lane fits before you apply.