Your capital, kept in order.
Knowthepaymentbeforeanyonepitchesyouone.
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Working capital and equipment run to 10 years, real estate to 25. The rate floats with prime, so run it a point higher than today's before you decide.
Estimated monthly payment
$4,723
To carry this at the 1.25x coverage most lenders want, the business needs about $5,903 a month in net operating income.
Want these numbers pressure-tested against what lenders will actually offer? That is the complimentary hour.
Request an introductionEstimates only, assuming a fixed rate for the whole term. Not an offer of credit or a quote. Actual terms depend on the lender, the program, and your file.
- Still owed
- $0
- Principal paid
- $350,000
- Interest paid
- $216,727
- Total interest
- $216,727
- Total repaid
- $566,727
We underwrite your file before a lender ever opens it.
Most brokers forward paperwork. We spent our careers on the other side of the desk, deciding which deals cleared and which came back. So we build the file the way the person reading it was trained to read it.
Spent on the lender's side of the desk, deciding which files cleared.
From a bank mail room to Chief Lending Officer of a certified CDFI.
Capital, books and cover, read against each other rather than sold apart.
Based in New York, working nationwide and in Puerto Rico, Hudson Valley to California.
Run a CDFI or a mission lender? We underwrite overflow files, prepare teams for SBA reviews and build technical assistance programs. CDFI services
Whatever the deal is, it has a lender.
We underwrite the file first and then place it with the lender whose credit box it actually fits: bank, SBA, CDFI or private. No shotgun submissions that burn your credit pulls.
SBA Loans
7(a) and 504, prepared to approval standards
Commercial Real Estate
Purchase, refinance, cash-out on income property
Construction Lending
Rafael's specialty for three decades
Bridge Loans
Speed when the window won't wait for a bank
Equipment Financing
Trucks, machines, and the tools that earn
Revenue-Based Loans
Sized to cash flow, not just collateral
Asset-Based Loans
Working capital against receivables and inventory
Traditional Business Loans
Bank term debt and lines of credit
Equity Financing
Subordinated debt, mezzanine capital and preferred equity
From guessing to knowing.
Most owners learn how the month went a quarter too late. With a monthly close you see the shape of the year while you can still act on it: which months pinch, which carry, and when to ask for money. Press play and watch a year arrive month by month, then see what the same year looks like when the books are rebuilt the following spring.
Waiting on the first close.
How engagements begin.
A complimentary hour with a senior banker
Not a discovery call with an account executive. Bring the numbers you have and the questions you have been sitting on.
Assessment
We read the business the way a credit committee would, then say plainly what clears today and what needs work first.
Proposal and plan
A written engagement scoped to what the assessment found. The proposal is the price, which is why there is no rate card here.
Rafael Sánchez
In banking since 1992 · construction lending
A career banking executive who spent three decades deciding which deals got done, licensed across investments, financial planning and property & casualty.
Ruben Rodriguez
In lending since 1982 · CDFI lending
From the Chemical Bank mail room to Chief Lending Officer of The Business Consortium Fund, a certified CDFI. More than 35 years widening access to capital for the businesses banks overlook.
Behind them is an accounting team of more than fifteen, ready to take on new books, and a CPA partner for tax work. Senior judgment on every engagement, and the capacity to carry it out.
Insurance is placed as an authorized agent of Kalare. Tax work runs with our CPA partner, Foxhound Financial. Lending runs through our network of banks, CDFIs and private capital partners.
From the desk.
Where consulting earns its keep
What an outside adviser can actually fix, what they cannot, and how to tell the difference before you hire one.
Read itOctober 7, 2025Running a company while it grows
Strategic planning, leadership, and the financial discipline that holds a growing company together.
Read itStart with the hour that costs nothing.
An hour with a senior banker, not a sales team. You will leave knowing what a lender would say about your business today.
Request an introduction