Business Capital Consulting

It is advisory work on the shape of a financing decision rather than the paperwork of one. We look at what you are trying to do, what your numbers will support, what you already owe, and what the realistic options are. Sometimes that ends in a financing placement. Sometimes it ends with a recommendation to wait, to fix something first, or to solve the problem without borrowing.

We are a brokerage, so we are paid when a deal funds. That means we will tell you plainly when we think a deal should not happen, because a placement that damages your business is worth less to us than a client who comes back.

An application starts with a product and works backwards. Consulting starts with the situation and works forwards.

Most clients do a version of both, in that order.

Mapping a funding roadmap against your business model and growth targets. That means the sequence, not just the amount: what you need now, what you will need in nine months, and whether taking the larger amount today closes the door on the facility you will want later. Sequencing is the single most common thing owners get wrong, and it is nearly always fixable in advance and nearly never fixable afterwards.

Working through the terms that are negotiable and the ones that are not: amount, repayment shape, term length, covenants, collateral, and what happens if a month goes badly. Most owners compare offers on one number. The structure around that number is usually what determines whether the deal is comfortable or painful. See how different structures compare.

It is document and positioning work: clean financials, a clear story about how the business makes money, and the materials a capital provider will ask for before they take you seriously. Being ready is often the difference between a fast yes and a slow maybe.

To be clear about the boundary: this is preparation work, not investment advice. We do not recommend securities, we do not advise on whether to raise equity or sell a stake, and we are not licensed financial or legal advisors. For those decisions you want your accountant and your attorney. What we do is make sure that when you go into those conversations, your numbers are in order.

We look at your existing debt and cash flow for exposures that have not surfaced yet: obligations that overlap badly, a repayment schedule that collides with your slowest month, concentration in one customer, or a facility with terms that will bite on renewal.

This is also where we say the unpopular thing. If a business is already carrying several active advances, the honest finding is usually that the problem is the existing stack and not the absence of new capital. Adding to it typically breaches agreements already signed and makes a fixable situation worse. We will not put a consolidation loan in front of a business in that position. More on what lenders look at.

Owners facing a decision big enough that getting it wrong is expensive: an acquisition, a large contract, an expansion, an equipment purchase that changes the cost base, or a refinance. It is also useful for businesses that have been turned down and do not know why, because the reason is usually specific and often addressable.

It is less useful if you need a modest, familiar amount for a familiar reason. In that case the straightforward route is better and we will point you at it.

Nothing to you. We are compensated by the lender when a deal funds, which is the standard brokerage arrangement and the same one that applies whether or not we do the advisory work first. If the consulting concludes that you should not borrow, you owe us nothing and we would rather you heard it from us.

Usually one conversation and a look at your numbers, which can happen the same week. Complex situations, particularly acquisitions and anything involving several existing obligations, take longer because they should. If you are working to a deadline, say so at the start and we will tell you honestly whether it is achievable.

A conversation, and then typically recent business bank statements and a basic picture of what you already owe. Nothing is pulled and nothing is submitted anywhere without your say-so. Start a conversation.