Coinfish Get bankable before you need the bank.
I've spent 24 years on the lender's side of the table, underwriting and approving business loans. Now I help small businesses and contractors get ready, so when you apply, your file is one a lender can approve.
Take the Free Readiness Check See services
Assess. Fix. Package.
1. Assess
A 5-minute Readiness Check, then a review of your numbers and documents. You get an honest read on where you stand and what a lender will see.
2. Fix
Clean up the books, build business credit, write the plan and projections. We close the gaps that get files declined.
3. Package
A complete, lender-ready package with a clear narrative, sources and uses, and every document in place. Then you apply.
Beyond the loan
Small Business Readiness
Get your financials, credit, and documents in shape for financing.
Learn more →Capital Strategy
Capital stack planning, debt vs. equity, pitch decks, models, and data rooms. Preparation for any capital conversation.
Learn more →Private Investment Advisory
Underwriting and diligence support for family offices, funds, and private lenders.
Learn more →Why work with me
Most loan requests don't fail because the business is bad. They fail because the financials are a mess, the documents are missing, or the request doesn't match what the business can repay. I've reviewed these files for 24 years. I know what credit committees look for because I sat on them.
I've held credit approval authority up to $10 million, managed a CDFI loan portfolio of about $20 million, and built a contractor financing program to about $8 million. That's the lens I bring to your business.
How it works
- Readiness Check: answer a few questions online. No credit pull, no SSN.
- Consult: a short call to go over your results.
- Report & plan: a written score, the gaps, and a 30/60/90-day plan.
- Fix: we work through the plan together.
- Package: you get a lender-ready file.
- Apply: you apply to the lender or program you choose.
We are consultants, not a lender or broker. We don't take fees from lenders and we don't promise approvals.