We gather your last two years of profit-and-loss statements, lease agreement, and equipment quotes, then submit your profile to multiple lenders who compete on structure and cost. You receive a side-by-side comparison showing origination fees, prepayment terms, and monthly payments so you can choose the offer that fits your cash flow, not the lender's sales quota.
A Lockwood food-truck operator who wanted to open a brick-and-mortar taqueria came to us with a signed lease and a $120,000 gap. We structured an SBA 7(a) that covered build-out, a commercial range, refrigeration, and initial inventory. The lender required a 10 percent owner injection, and we helped the owner document the equity already invested in the food truck as part of that down payment. Closing took 47 days, and the taqueria opened two weeks before MontanaFair.
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Transparency means you know every closing cost before the term sheet arrives. We explain personal-guarantee requirements, UCC lien filings, and whether the lender will subordinate to your landlord's interest. If your credit score sits below 680 or your concept is unproven, we identify lenders who weigh industry experience and local market demand more heavily than FICO alone.
