How We Work

A Clear Process for Better Financing Decisions

We don’t just talk about financing—we organize it into a practical decision system so you can compare options, prepare correctly, and move forward with confidence.

Start With Your Goal
Funding Readiness Checklist

The Top Level Financial Method

We use a simple, five-step process to help borrowers make confident, structured financing decisions:

Learn

Gain a thorough understanding of different financing types, key terms, and their purposes.

Compare

Carefully assess all financing options considering fit, overall cost, processing speed, and potential risks.

Prepare

Organize all necessary documents and strengthen your fundability profile efficiently.

Apply

Move forward confidently with the financing option that most effectively meets your needs.

Improve

Build credit and readiness to increase approval chances for future funding.

We Start With Education, Not Pressure

Financing is confusing without fundamentals. We clearly explain:
  • What each financing type is designed for (and when it’s a bad fit)
  • Key cost drivers (APR, factor rates, fees, term structure, prepayment rules)
  • Common approval requirements (credit, income, time in business, cash flow)
  • Documentation expectations (what underwriters typically ask for)
  • Red flags and common mistakes that lead to declines or unfavorable terms
  • Long-term impact considerations (effects on future credit and business growth)

We Help You Compare Options Like an Underwriter Would

Use our framework to evaluate options across these criteria:
  • Fit: Does the product match your purpose and repayment profile?
  • Cost: What’s the true cost of capital including fees and structure?
  • Speed: How quickly can funding occur and what might slow it down?
  • Requirements: Credit, revenue, collateral, time in business, DSCR, etc.
  • Risk: What happens if revenue dips or project timelines change?
  • Flexibility: Early payoff rules, renewals, draws, and covenant limits

We Emphasize Readiness Because It Drives Outcomes

Better preparation leads to fewer declines, faster processing, improved terms, and significantly
less stress during underwriting.

Basic profile strength (time in business, revenue stability, bank statements)

Credit health (personal and/or business credit factors)

Business credibility signals (entity setup, consistency, contact info)

A clear “use of funds” story that matches the product type

We Don’t Treat Credit as a Side Topic

Credit directly influences multiple aspects of financing, including approval probability, loan pricing, and limits, as well as down payment requirements for certain programs, ultimately affecting your ability to scale financing over time effectively.

What We Focus On:
  • Building business credit profiles correctly (no shortcuts)
  • Net-30 and trade account education
  • Monitoring and improving credit health for future financing