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Bank Financing

Need money to grow your business?

Requesting a business loan without adequate preparation sends a clear message to lenders: high risk!

Prevent rejection by avoiding unprepared approaches to lenders. Our service helps you secure the funding you need by ensuring your loan application is organized, thorough, and tailored to meet lender expectations.

We help you present a strong financial case—minimizing risk and maximizing approval chances.

Let us turn your business goals into funded realities.

Let's outline your options!

Web-based Business Knowledge

Let's outline your options!

"I will continuously strive for a first-place finish with each endeavor we collaborate on and treat the financial responsibility of your business as if it were my own."

Michael DiSabatino, Founder of Sharp CFO™

Complete Business Loan Guidance & Execution

☑	Outline the Plan Securing a loan to start or expand your business is a time-consuming, and in some cases, extremly frustrating. We take the following steps can help simplify the process and ensure your success in obtaining the funding you need: Define the documentation a banker requires Formulate a strategic plan in partnership with a Certified Public Accountant (CPA) Prepare a realistic loan request
☑	Compose an Executive Summary The executive summary is typically a letter of introduction at the beginning of the loan proposal. It should serve as an opportunity for the business to make its case for bank financing by briefly explaining the company's history, its plans for the new financing, and how it intends to provide collateral and repay the loan.
☑	Perform Cash Budgets and Financial Statements We use your data and underlying assumptions to prepare information that your banker can easily understand and buy into. We use three forms of presentation to ensure we capture the loan officer’s attention: Numeric financial data Graphical images Narrative explanations of your data to ensure the bank that, as your CPA, we understand the financials
☑	Prepare Required Owners Personal Financial Statements We prepare the required personal financial statements for all loan guarantors. Additionally, we provide copies of the past three years of personal tax returns to the bank and identify the collateral pledged as security for the loan.
☑	Mediate Representation We act as both a mediator and, often, a negotiator between you and the bank. It is our responsibility to clearly substantiate your financial needs and position to your banker in person and to negotiate the best possible terms on your behalf. These terms go far beyond just the interest rate and loan term—they include, most importantly, the loan covenants. The covenants are what govern you and your company after the loan has been granted.

A woman sits at her desk in an open-plan office, her fingertips pressed to her temples and her expression revealing she is under stress

⚠ WARNING

Many times, we engage with clients who have had lines of credit closed while operating a successful business.

Yes, the business may be running profitably, but if the owner withdraws too much money, purchases additional equipment, or invests in another company—as defined by the covenant—the bank may close lines of credit, call notes, and take other actions that can cripple the business.

Don’t risk losing the financing you depend on.

Contact us today for a free consultation to explore your options and start building a stronger financial strategy.

Book a meeting

Bank Financing

Web-based Business Knowledge

Complete Business Loan Guidance & Execution

Our Specialties