Navigate the Lending Landscape with an Insider's Edge.
Advisory solutions tailored for financing requests generally ranging from $500k to $10MM+, structured by a career business banker and credit analyst.
Built by a Career Business Banker.
Jake Whiting has spent nearly 15 years inside commercial banking - putting together hundreds of credit presentations as an underwriter and presenting countless more to credit committees as a lender. Utilizing this experience, Jake built CapReady to give business owners the same clarity, structure, and lender-level perspective banks use when evaluating a deal.
This approach removes guesswork, surfaces issues early, and positions financing requests to move through the credit process efficiently and confidently.
CapReady Advisory
Banker-level guidance for business owners preparing for bank financing. CapReadyâs advisory process is designed to mirror how credit decisions are made. This ensures financing is pursued only when it is realistic, well-positioned, and approached with the right level of preparation. Advisory support includes:
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Readiness & Positioning
A structured first step to assess bankability, surface risks, and determine whether pursuing financing makes sense. -
Comprehensive Loan Packaging
Professional preparation and positioning of a financing request so it aligns with how banks underwrite and approve credit. -
Strategic Review of Terms
Final decision support once lender terms are received, helping you understand tradeoffs and long-term implications before committing.
Who CapReady Is - and Isn't - For
â For You If:
- You own or operate an established small business
- You're planning for working capital, a major purchase, or refinance
- You want to improve approval odds and loan terms
- You want to present a clear, lender-ready loan package to the bank
- You want to be proactive before approaching a lender
đ« Not a fit if:
- You're looking for guaranteed approvals or outcomes
- You're looking for shortcuts or someone to "just get the loan done"
- You're not willing to share, clean up, or improve your financials
- You're still in the idea stage with no operating history
- You're unwilling to adjust expectations based on lender realityÂ
CapReady doesn't replace your bank - it helps you show up prepared, informed, and credible.
Not sure where to start?
If you're considering financing and want to understand how a bank would view your business, this is the right place to begin.
