One last thing

The cost of waiting is bigger
than the cost of finding out.

Every month you delay is another month of operating without a clear capital strategy. Whether you're three weeks or three years from applying for financing, knowing where you stand right now changes how you run the business between now and then.

Honest answers

Questions worth asking.

If you're still on the fence, you probably have one of these on your mind. We'd rather answer them upfront than leave you guessing.

My CPA already does my taxes. Why do I need this?

Your CPA's job is to file accurate returns and minimize your tax liability — which often understates the cash flow lenders use to qualify you. We do the opposite: we rebuild your real cash flow with documented add-backs lenders accept. Your CPA prepares for the IRS. We prepare you for the lender. Two different jobs.

How is this different from working with a broker?

A broker gets paid only if you take their loan — usually 2–5% baked into your terms forever. That means their advice has a built-in bias toward closing the deal, even if the timing or terms aren't right for you. We charge a flat fee, before you ever apply. We don't care which lender you ultimately go to, or whether you go at all. Our only job is to make sure your numbers are right and your story is honest.

I've already been declined. Is it too late to fix it?

Almost never. Most denials are technically reversible — the question is whether you address what flagged you and how long it takes. Both reports decode your denial first: a real analyst tells you the true reason behind the "no." The Full Report then includes a 90-day improvement roadmap with ranked actions, each tied to a specific lender metric. Some clients re-apply within weeks at a different bank. Others spend three months strengthening their file. Either way, you'll know exactly what to fix.

What if my situation is unusual? Multiple businesses, irregular income, recent changes?

Unusual is our specialty. Self-employed owners, irregular income, multi-entity setups, asset-heavy or seasonal businesses — these are exactly the cases where standard underwriting falls apart and where we add the most value. We work across every industry. If your situation is genuinely outside what a Capital Readiness Report can handle, we'll tell you upfront and point you to who can help. Honesty over revenue, every time.

Is this just for SBA loans, or any financing?

Any financing. The numbers lenders use — DSCR, adjusted cash flow, the 5C Framework — are the same whether you're applying for an SBA 7(a), a conventional commercial loan, a line of credit, equipment financing, or working capital. The lender changes; the math doesn't.

What happens after I get the report?

You walk into your lender meeting with the Banker Report in hand — a document the lender can read cold. You answer their questions confidently because you've already seen the math. You leave with a real decision based on real numbers, not a guess. The report is yours to keep, share with multiple lenders, or revisit when you're ready to apply again.

SLG Advisers

Independent capital readiness advisory for small business owners across every industry.

Not a lender Not a broker Flat fee

Reports

Company

Trust

Response window One business day for all inquiries.

Delivery promise Snapshot in 48 hours. Full Report in 5 business days.

Privacy Terms

Important disclosure. SLG Advisers is an independent capital readiness advisory firm. We are not a lender, broker, financial planner, or registered investment adviser. We do not originate, place, or facilitate loans, and we receive no commissions or referral fees from any lender, broker, or financial institution. Reports are educational and analytical in nature; they are not loan approvals, guarantees, or commitments by any third party. Final lending decisions are made solely by the lenders you choose to engage.

The cost of waiting is biggerthan the cost of finding out.

Questions worth asking.

The cost of waiting is bigger
than the cost of finding out.