Compensation
How I'm paid, in plain terms
Two separate revenue lines, disclosed. You should be able to check my incentives before you take my advice.
1. Advisory fees
The Capital Position Review, the Capital Roadmap, the Bankability Track, and the Market Exposure Assessment are paid engagements. You pay for analysis and you receive a written deliverable. That fee is earned when the deliverable ships, regardless of whether you borrow a dollar afterward.
2. Placement compensation
When a financing placement follows and the capital source pays a commission, that commission is disclosed to you before you sign anything. It is paid by the lender, not added to your cost by me.
The two are never combined
The advisory fee is not credited against a commission, and a commission does not refund an advisory fee. This is deliberate. If the fee were a deposit against a placement, then every recommendation would quietly point toward a placement — which is exactly the structure this practice exists to avoid.
A broker is accountable for closing the deal in front of you. I'm accountable for where it leaves you. The compensation structure above is the only reason that sentence can be true.
What this means practically
- I can recommend a product that pays me nothing — invoice factoring, an equipment line, a bank referral — without it costing me the engagement.
- I can tell you not to borrow. That recommendation is a legitimate outcome of a paid review, not a lost sale.
- I have no reason to submit your file broadly. Volume of submissions does not increase my compensation; it only spends your lender pool.