Make the file the bank reads match the facts.
When a business needs a refinance, credibility comes from documents that agree with each other. We build them, keep them current and run the closing so proceeds go where they were promised.
THE PROBLEM
Capital, lending and bankability
Refinance files fall apart in the gaps. A payoff letter expires, a schedule disagrees with the tax return or a judgment surfaces late, and a lender who was leaning yes starts asking for more time.
We keep one source of truth for the whole process. We build the debt and claim register, package the credit file, answer lender questions with documented figures and, if the loan funds, control the disbursement so each creditor is paid against a current letter.
THE WORK
What an engagement can include.
Scope is set in writing before we start. Most clients begin with one piece and add others once the first one proves out.
- Bankability assessment before you approach a lender
- Debt and claim register with payoff and release tracking
- Credit package and lender liaison
- Closing readiness scorecard
- Controlled closing - funds flow, disbursement order and lien releases
- Pro formas for lenders and investors
- Post-close financial continuity
We are financial advisors, not attorneys or lenders. We do not provide legal advice or guarantee loan approval, rate or terms.
HOW IT RUNS
Four steps, in writing.
Assess
We tell you honestly whether the file is bankable and what it needs.
Package
We assemble the credit story and supporting schedules with version control.
Liaise
We answer lender questions with documented numbers.
Close
If the facility funds, we run the funds flow and confirm every release.
PROOF
We are currently guiding a West Texas contractor through a debt consolidation refinance from credit package to controlled closing.