Engagements
I'm paid for the analysis, not the placement.
Which means I'm the only person you'll talk to who can afford to tell you not to borrow.
Four engagements
Products with named deliverables — not a discovery call
Each of these produces an artifact. You paid for something; you receive something.
Capital Position Review
$500The diagnostic. What your file actually looks like from the credit side of the desk.
- True blended cost of your current capital
- Bankability assessment — what a lender sees when they pull the file
- Realistic qualification ranges by product
- The three things holding your terms back, ranked
- A straight recommendation: borrow now, fix first, or restructure
- 45-minute findings call
Your review is delivered within 3 business days with a scheduled call on the calendar, or you don't pay.
The Capital Roadmap
starting at $1,500Final scope confirmed before any engagement begins.
The plan. Where this balance sheet needs to be in twelve months, and the sequence to get there.
- Everything in the Capital Position Review
- Sequenced 6–12 month plan: now / next / endgame
- Bankability track with specific DSCR and balance-sheet targets
- Product strategy matched to your vertical's cash cycle
- Restructure plan if there's a stack
- Two working sessions
Bankability Track
from $500/monthOngoing. The part that gets skipped, which is why most businesses never graduate.
- Quarterly capital reviews
- Refinance triggers monitored and called
- Covenant watch
- Rate-change calls
Market Exposure Assessment
priced with the Review tierFor burned files. Where the file has been, and what's realistically left.
- Submission history reconstruction
- What remains of your lender pool
- Cooling-off timeline
- What to fix during the wait
- Scheduled re-entry in 60–90 days
How the fee works
The fee is never credited against a commission
Frame it against the cost
A 1.42 factor on $150K over 8 months costs about $63,000. A $500 review that finds a better structure pays for itself many times over.
The marketplace contrast
You already paid to be hunted. This time, pay to be advised.
Exclusivity is protection
If three brokers submit the same file this week, we're burning your lender pool competing with each other — and you're the only one who pays for that.
If a placement follows, that placement is compensated by lender-paid commission and disclosed openly. The review fee is separate and is never credited against it. That separation is what makes "I can afford to tell you no" a verifiable fact rather than a slogan.
Your review is delivered within 3 business days with a scheduled call on the calendar, or you don't pay.