Capital advisory for Florida service businesses
Become lender-ready before you ask for capital.
We underwrite your request, identify a responsible capital structure, and manage a clear lender submission for established businesses seeking $100,000–$2 million.
Financing approval is never guaranteed. Every engagement begins with qualification and financial review.
What to expect
Judgment before introductions.
No approval promises
An honest assessment of financeability comes first.
Underwriter-minded
Cash flow, leverage, risk, and repayment capacity drive the plan.
Lender-ready
Qualified requests are organized into a defensible credit story.
The advisory process
A financing request built from the numbers outward.
Designed for recurring-revenue service companies—including HVAC, pest control, accounting, security, and insurance agencies—with at least two years in operation.
Typical fit
$500K–$10M
Annual revenue, current financial records, and a clear use of funds with a credible repayment source.
- 01
Qualify the opportunity
Review operating history, revenue, cash flow, tax returns, bookkeeping, owner credit, and the proposed use of funds. If the business is not ready, we say so.
- 02
Underwrite before outreach
Analyze historical and projected cash flow, debt-service coverage, leverage, liquidity, working capital, concentration, and collateral to determine supportable debt.
- 03
Build the lender narrative
Organize financials, projections, debt schedule, sources and uses, risks, mitigants, and recommended structure into a lender-facing memorandum.
- 04
Select the right financing lane
Evaluate conventional term debt, lines of credit, equipment financing, participating SBA lenders, receivables financing, seller financing, or acquisition debt based on economics—not convenience.
- 05
Manage submission through closing
Coordinate lender questions, conditions, entity documents, insurance, valuation, negotiations, and deadlines so the request keeps moving.
Flagship engagement
Capital Readiness & Placement Program
A focused engagement for qualified businesses that need both rigorous preparation and hands-on management of the financing process.
$5,000
$2,500 at engagement · $2,500 at package completion
Capital Readiness Diagnostic
$750–$1,500
Financial review, risk assessment, debt capacity, and funding roadmap.
Fractional CFO–Capital Retainer
$1,500–$3,500/mo
Reporting, cash-flow planning, covenant monitoring, and ongoing capital strategy.
Any success-based compensation is separately disclosed and used only where legally permitted.
Start with fit
Know what your business can responsibly support.
Bring your financing goal, recent financials, and use of funds. We’ll determine whether you are ready for placement—or what must improve first.