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CapReady Advisory Services

A Systemized Approach to Securing Bank Financing

CapReady’s advisory services are designed to mirror how commercial financing actually unfolds inside a bank. The process is intentionally structured to ensure financing is pursued only when it is realistic, well-positioned, and approached at the appropriate depth based on deal size, complexity, and risk.

Who This is For

CapReady generally works with business owners who are actively considering $500k - $10MM+ in bank financing who want their loan request professionally structured and positioned for lender review.

The process is designed for owners who understand that disciplined preparation materially influences approval probability, structure, and long-term flexibility.

How the Process Works

  • Initial Readiness Assessment – A recommended first step to confirm bankability and scope before a loan packaging engagement.

  • Comprehensive Loan Packaging – Full preparation and positioning for lender review when financing is viable.

  • Strategic Review of Terms – Optional final decision support once lender terms are received.

Each step in the process is detailed below. Submitting a loan overview at any stage will route you to an intake form and is personally reviewed, typically within a business day.

Initial Readiness Assessment

An initial, banker-level assessment designed to determine whether your business is realistically positioned for bank financing and whether a comprehensive loan packaging engagement is appropriate.

This step applies a lender's lens to your financials, structure, and credit profile to surface approval risks, blind spots, and readiness gaps before time, fees, or lender credibility are at stake.

This assessment does not include loan structuring, lender positioning, or preparation of a formal loan package. Those steps are addressed only after financing is deemed viable and proceed through the CapReady Loan Packaging engagement.


What's Included
  • Financial & Credit Assessment 
    A high-level underwriting review of cash flow, leverage, and key risk drivers - modeled after how banks initially screen opportunities.

  • The Lender's Perspective 
    How a bank (or credit committee) is likely to view your business today, based on real world lending criteria.

  • Readiness Summary & Next Steps
    A clear go / no-go recommendation on proceeding with bank financing, including what would need to change if financing is not advisable today.

Submit My Loan Overview

CapReady Loan Packaging

A comprehensive, one-time engagement designed to professionally structure and position your financing request for lender review, utilizing a career business banker's insider perspective.

This service focuses on aligning your business, financial story, and transaction structure with how banks actually evaluate and approve commercial credit requests.

This engagement is typically pursued after an initial Readiness Assessment to ensure the financing strategy is viable and properly positioned.


What’s Included
  • Underwriter-Grade Credit Package
    A professionally structured summary of your business, financial performance, and credit profile prepared to reflect how banks internally review and present transactions. This includes a clear articulation of the business model, transaction purpose, repayment logic, and key credit considerations so lenders can efficiently evaluate and advance the request.

  • Preemptive Credit & Risk Positioning
    Identification of potential weaknesses or areas of lender concern before they surface during review. Guidance is provided on how to frame, mitigate, or address these issues so the transaction is evaluated on substance rather than stalled by avoidable questions or misalignment.

  • Capital Structure & Deal Strategy Guidance
    Insight into appropriate debt sizing, structure, terms, guarantees, and covenant considerations based on lender expectations and credit policy. The goal is to position the request in a way that balances approval probability with long-term flexibility and durability.

What You Walk Away With
  • A Competitive Advantage
    A polished, lender-ready credit package that allows bankers to confidently present your transaction through their internal approval process.

  • A Lender's Mindset
    Clear insight into how lenders and underwriting will evaluate your business and loan request.

  • Peace of Mind
    Reduced execution risk on a high-stakes financing request through disciplined preparation and positioning.

Submit My Loan Overview

Term Sheet Analysis & Final Strategy Review

You’ve received one or more term sheets. This focused, last-mile review ensures you fully understand the implications, tradeoffs, and long-term risks of the financing options on the table before you commit. This service is designed to help you make a confident, informed decision at the point where small details can have outsized consequences.

 


What’s Included
  • Term Sheet Review
    A structured review of proposed loan structures, pricing, covenants, guarantees, and conditions from a lender’s perspective, highlighting where flexibility exists and where it typically does not.

  • Negotiation & Tradeoff Insight
    Practical guidance on which terms are worth pushing on, which are rarely moved, and how potential changes may affect lender confidence or approval dynamics.

  • Final Decision Support
    Clear, lender-based insight into how each option affects your business’s cash flow, risk profile, and long-term flexibility so you can proceed with eyes open.

What You Walk Away With
  • Confidence in the decision you're making, whether that's moving forward to closing, requesting changes, or stepping back to reassess.

     

Submit My Loan Overview