Don't buy a business — or apply for a commercial loan — without someone who has spent years on the other side of the table reviewing the numbers.
You have a CIM and a stack of tax returns. Your attorney is reviewing the purchase agreement. But nobody is actually stress-testing the financials — a serious gap when you're putting hundreds of thousands on the line.
You have a solid business but your application keeps getting declined — or you want to know exactly what a lender will see before you submit. One preparation step can be the difference between approval and another hard pull.
You've been turned down and don't fully understand why. A decline isn't always a dead end — it's usually a packaging problem. I can diagnose it and fix it before your next submission.
Your client needs financial analysis you don't provide. You want a specialist you can refer confidently — someone who delivers clean, written work and never steps on your relationship.
When earnings aren't normalized and add-backs don't hold up, buyers routinely overpay by 20–40%. That's not recoverable after closing.
The average SBA loan takes 60–90 days. Getting declined at the end over a fixable packaging issue is an expensive mistake.
Revenue concentration, deferred maintenance, off-balance-sheet obligations — these don't appear in a broker's CIM. They appear after you own the business.
Multiple hard pulls and a pattern of declines signals elevated risk. One honest assessment tells you whether you're ready — or what to fix first.
My fee is a rounding error compared to the deal you're working on. For a $1.5M acquisition, a $5,000 due diligence fee is 0.3% of the transaction. The cost of skipping it can be multiples of that — in overpayment, inherited debt, or a deal that unravels after you've already committed.
Before you wire money and sign your name to a deal, I stress-test the financials. I review 2–3 years of statements, normalize earnings, identify revenue concentration and red flags, and tell you whether the business cash flows at the proposed purchase price and debt structure.
$2,500 – $15,000 $2,500–$3,500 under $500K · $3,500–$6,000 for $500K–$2M · $6,000–$15,000 larger deals · Rush delivery +30%Most applications fail not because the business isn't fundable — but because the package doesn't tell a compelling story. I build complete packages the way underwriters want to receive them: clean spreads, strong narrative, defensible projections, and a debt schedule that anticipates every question.
$1,800 – $8,500 $1,800–$2,500 under $500K · $3,000–$5,000 for SBA/CRE · $5,000–$8,500 complex deals · Optional success fee availableNot sure if you're ready to apply? I review your financials the way a commercial underwriter would, identify exactly what's working against you, and give you a specific plan to improve your position before you walk into any lender's office.
$750 – $3,500 $750–$1,200 sole prop · $1,500–$2,500 small business entity · $2,500–$3,500 with 90-day follow-up · $600–$900/mo retainer"Most advisors look at your numbers from a strategy perspective. I look at them the way a lender does — because that's exactly what I did for years."
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