Fit
Who I work with, and who I don't
Turning business away is the only trust signal that costs something.
Minimums
The floor
Time in business
12 months minimum for the business lane. Under that, the market is thin and the pricing is punitive — I'll tell you to wait.
Revenue
$25,000 per month in deposits, consistently. Seasonal businesses are judged on the trailing twelve, not the best month.
Business purpose
Every engagement and every placement is business-purpose only. No consumer credit work.
Good fit
You should start here
- Operating business with real revenue and messy or expensive capital
- One to four open advances you want restructured
- Construction, transportation, restaurants, or ecommerce
- An owner who wants a plan more than a term sheet
- Someone willing to hear 'not yet' and act on it
- Real estate investors with a deal in hand — free lane, no fee
Not a fit
Please don't apply
- Pre-revenue businesses and startups
- Business-plan-only funding requests
- Anyone who wants ten quotes by Friday
- Files already submitted to a dozen places this month expecting a different result today
- Consumer or personal-use borrowing
- Anyone shopping for the largest number rather than the right structure
If your file has already been shopped hard, you're not out of options — but the starting point is a Market Exposure Assessment, not another submission.