Most buyers do diligence on the business, not the books - then inherit a finance function built for the old owner and a loan agreement full of obligations nobody's staffed for. We work both sides of the close: pressure-test the numbers before you sign, then run a lender-grade finance function from day one of your ownership.
Diligence
Real margins, owner add-backs, revenue quality, working-capital truth - a QoE-lite built for sub-$10M deals, priced like one. Know what you're buying before the LOI hardens.
Deal support
Sources and uses, debt-service model, the projections the lender will actually underwrite. Your 7(a) application backed by numbers that survive credit committee.
Pressure test
Can the business carry the debt on a slow quarter? We model DSCR under stress before you sign the personal guarantee, not after.
Negotiation
The working-capital peg, inventory truth and seller-note terms argued from the numbers - the places first-time buyers leave money on the table.
Day one
Chart of accounts, banking, payroll, approvals and controls stood up so your first month of ownership closes clean.
FinOps
Clean close, statements on the lender's calendar, use-of-proceeds tracking that holds up when the file gets pulled.
FP&A
A 13-week cash forecast tuned to debt service, DSCR tracked live against the covenant floor, breach risk flagged months out.
First 90 days
The seller's books brought to standard, institutional knowledge captured before it walks out the door, KPIs that tell you how the business actually runs.
One team across the whole arc means the person who pressure-tested the seller's numbers is the one running your close in month one - nothing gets re-learned. Structured as CEO Copilot™ until you hire a finance leader, then as CFO Success Partners™ alongside them.
An SBA 7(a) or 504 loan comes with a finance function's worth of obligations - and a personal guarantee that makes them yours, not the company's. This is what the agreement actually asks of you:
Financial statements due within 120 days of fiscal year-end - compiled to a standard the seller's bookkeeper may never have produced.
Debt-service coverage floors sit in the agreement. Most borrowers can't compute their DSCR monthly, let alone see a breach coming.
Payroll flexes, revenue flexes - the loan payment doesn't. One slow quarter and the fixed obligation eats the cushion.
This isn't corporate risk, it's your house. The reporting discipline the lender wants is also your early-warning system.
Navigator sits on your ledger and your loan agreement at the same time. It tracks debt-service coverage against the floor in your covenant, projects the next 13 weeks of cash against the payment schedule, and flags the breach months before the lender's spreadsheet would find it.
Better financials earn better credit. Owners who run a clean close, live covenants and a real forecast refinance into conventional terms sooner, borrow expansion capital cheaper, and walk into the next lender meeting - or the next acquisition - with the file already built.
Thirty minutes. Bring the CIM or the loan agreement; we'll bring the questions the lender will ask next.