BusinessWise CPA’s years of experience in investment banking allow us to be well informed of the capital formation process. We understand what banks are looking for when they read your application and will help our clients prepare themselves to deliver the best presentation possible. We know that each client is unique and that a bank may not be the best source of quick capital; we will seek and put on the table the best options for you.

Our area of expertise includes:

  • Capital formation from primary and secondary sources including banks, private equity groups, and other financing institutions
  • Structuring and preparing loan applications, budgets, and projections, and owners personal financial statements
  • In-person representation of our clients’ financial position to their banker

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Why Does My Application Keep Getting Rejected?

Would you drive your car without a speedometer? Just the same, you would not run your company blindly not knowing where it is or where you want it to be. This is one of the first mistakes the banks will notice. If you have not demonstrated the goals of the future of your company, the bank will not see a clear plan to get their loan paid back. A business plan contains realistic goals and objectives that are measurable so that if for some reason there are no results with one method, you can adjust it and remeasure the outcomes. At BusinessWise CPA we can help you create a business plan so that the lender sees how you intend on using the money.

If you have a fast approaching deadline, whether it is to pay your vendors or to pay your employees, we have a knack for finding you a solution with a turnaround time you would not expect, after trying to achieve this on your own. Larger national banks have to pass an approval through a long line of people and many times they cannot even offer you the full amount you need. With a clear presentation of your firm’s goals and financial statements, banks can more quickly make a decision on what package they can offer.

You do not have to confront any of these lenders alone. We are here to ask them the right questions, push them to waive fees, and bend over backwards to meet the competition’s numbers, so that you can get the best deal possible. Our banking experience serves us well in these opportunities for capital formation because we are familiar both sides of the spectrum so when the lender comes back, we are ready to negotiate their offer. At the end of the day, they have to remember you are their prospective client and closing a deal will be one step closer to meeting their own goals.

With our broad network, we have the ability to connect you to an Angel Investor or private equity group. While these people do require the same financial statements and company goals, they will also be analyzing your general operations and work ethic. If they are going to have a piece of your pie, they want to make sure that it is going to be worth their time and money. Just as you took a risk in forming your company, they are taking the very same risk and want to see the growth potential the company has.

There are different sizes of capital formation available for your needs. There are many micro loan lenders who can offer you a smaller loan to pay off smaller debts such as credit cards. They can also help you with bridge loans, which is short term loan while you are waiting for the larger loan. The goal of these micro loan officers is to prepare you to be eligible for a loan from the bank, where you will have more product options, more money available to you, as well as a safe place to store your savings.

No matter which institution you approach, you must always be prepared with complete financial statements, bank statements, tax returns, and your company’s goals in hand. Having these will give you a guaranteed entry in the door to meeting a lender. They will see that you know exactly what you want and that you have a straight forward plan to implement that. You do not have to search for a lender alone or compile all your financials alone – we are experts who are here to do that for you. Doing your homework can make all the difference of the outcome of your application.