Need a loan? Got denied?
Approved for less than you hoped?
However you got here, the problem is the same: you don't know what your file actually says to a lender — so you're guessing, and lenders don't lend on guesses. SLG reads your business the way a credit department does — adjusted cash flow, DSCR, global cash flow, the 5C Framework — and hands you the numbers, in plain English, before you ever walk in.
Flat fee · No commissions · Lender-agnostic · Denial decoded inside both reports
Two reports. One job:
show you what the lender sees.
Here's exactly what you get, and what it costs. Both are analyst-prepared, confidential, and decode a denial if you've had one. Previews below are real report pages.
Capital Readiness Snapshot
For owners who want the truth about their file fast — before they commit to the full build.
- Operating line utilization at 62% — reduce below 30%
- Owner comp methodology inconsistent across 2 years
- Receivables aging beyond 45 days on 18% of balance
- 1-page preliminary capital readiness analysis
- Denial decode — why you were turned down, in plain English
- Adjusted cash flow with verified add-backs
- Current and post-loan DSCR calculation
- Estimated borrowing range based on your numbers
- Top 3 issues to address before applying
- Loom video walkthrough — yours to keep
- 48-hour delivery from document receipt
Snapshot fee credits toward the Full Report if upgraded within 30 days
Capital Readiness Full Report
For owners ready to apply, re-apply after a denial, or fight for a bigger number than they were offered.
- Complete capital readiness analysis (15+ pages)
- Denial decode — the real reason you were turned down or under-funded
- Adjusted cash flow with full add-back documentation
- DSCR analysis with global cash flow stacking
- Working capital cycle and funding gap analysis
- Complete 5C Framework assessment with scoring
- Borrowing range with target loan amount
- Stress test against rate increases and revenue decline
- Industry conditions and competitive position
- Personalized 30/60/90-day improvement roadmap
- Client Memo — plain-language summary
- Banker Report — lender-ready document
- Analyst video walkthrough — line by line
- 5 business day delivery
Most clients choose this. One document, one walkthrough, one outcome.
Same methodology.
Different depth.
Both use the same lender-grade framework — DSCR, adjusted cash flow, 5C, global cash flow — and both decode a denial. The Snapshot gives you a directional read; the Full Report gives you the complete strategy with all three lender-facing deliverables.
You're in one of these three
spots right now.
Every owner who finds SLG is living one of these. All three trace back to the same thing: a file you can't see clearly, judged by people who never explain it.
About to apply — and not sure you'll make it.
You need capital to grow, buy out a partner, buy equipment, or steady cash flow. But you don't want to burn your one good shot guessing. Know your numbers before you apply — not after they're used against you.
A lender said no and told you almost nothing.
"Insufficient cash flow." "Doesn't fit our credit box." That tells you nothing you can fix. Both reports decode the denial in underwriter language — your file, or the wrong lender? — and show you exactly what to repair before you try again.
Approved — for a fraction of what you asked.
You wanted $500K and they offered $180K. It's not a no, but it stings, and you suspect your file made you look smaller than you are. It usually did. We rebuild your real, lender-accepted cash flow so the next number reflects the business you actually run.
If any of this sounds familiar,
you need this report.
These are the exact conversations we hear every week. The commercial lending system was built for W-2 employees and corporate balance sheets — not for the way you actually run your business.
"I was declined and I have no idea why."
The bank gave you a generic reason — insufficient cash flow, DTI too high, "doesn't fit our box." None of that tells you what to fix. Both reports translate your denial into specific, addressable underwriting items — so you stop guessing and start repairing.
"They approved me — for way less than I asked."
A partial approval almost always means your file understated your real cash flow. The lender funded the version of you that showed up on paper, not the business you actually run. We rebuild the cash flow with documented add-backs so the real number is on the table next time.
"My CPA says I should make more money on paper."
Your CPA optimized your return to minimize taxes. That same return now makes you look unqualified for a loan. Our adjusted cash flow analysis rebuilds your real income with documented add-backs lenders accept — without amending a single tax return.
"Brokers keep pitching me the same generic loan."
Brokers earn 2–5% commission on whatever closes. That's a structural conflict baked into your terms forever. We charge a flat fee, recommend lender categories not specific lenders, and never take a referral payment from any bank or broker.
"I have multiple businesses and no one gets my structure."
Multi-entity setups, holding companies, and revenue across LLCs are exactly where standard underwriting falls apart. Our global cash flow analysis stacks income properly — the way a sophisticated commercial credit analyst actually evaluates a file.
"I don't know if my numbers are even close."
You're operating blind. Maybe you qualify for $200K, maybe $1.5M — you have no idea. The Snapshot gives you a directional borrowing range in 48 hours. Need the deeper Full Report later? The Snapshot fee credits forward.
From checkout to lender meeting
in under two weeks.
Most capital advisory engagements take months. Our flat-fee structure delivers on a tight, predictable timeline — with you doing under 30 minutes of total work.
Our incentive is aligned with you — structurally, not just verbally.
SLG is structurally independent. Our compensation comes only from the flat fee you pay for your report. We have no contracts or financial relationships with any lender, broker, institution, or referral partner. Nothing can bias our analysis toward a specific outcome — because we earn nothing additional regardless of what you do next.
This model doesn't exist anywhere else in the small business lending funnel. Brokers earn commissions if you close. Banks earn interest if you borrow. CPAs earn fees on returns. Each has a structural incentive that may not align with what's best for you. We don't.
Questions buyers ask
before committing.
If you're researching capital readiness, loan readiness, SBA prep, or pre-application analysis, you probably have one of these on your mind. We answer them upfront.
Both reports decode your denial — it comes down to how much you want. The Snapshot ($997) gives you a fast, plain-English read in 48 hours: why you were turned down and the first things to fix. The Full Report ($2,500) does the complete rebuild and hands you a 30/60/90-day plan plus a lender-ready Banker Report. Most denied owners serious about re-applying go straight to the Full Report.
Yes — one of the most common and most fixable situations we see. A low approval almost always means your file understated your real cash flow, so the lender funded a smaller version of your business than actually exists. We rebuild your adjusted and global cash flow with documented add-backs, then hand you the numbers and a Banker Report so the next conversation starts from the real figure.
No. A pre-qualification comes from a specific lender checking your file against their internal criteria — so the answer is biased toward whether THAT lender will work with you. A Capital Readiness Report is lender-agnostic. We use the standard underwriting math almost all commercial lenders apply, so the answer travels with you to any bank or SBA preferred lender.
A broker is paid a commission — typically 2–5% of the loan — only if you close on a loan they place. Their pay is structurally tied to closing the deal. SLG charges a flat fee, paid before any application, and never receives payment from a lender or referral source. We recommend categories of lenders, not specific institutions. Our entire incentive is the accuracy of your numbers, not the closing of any loan.
Your CPA files accurate returns and minimizes your tax liability — which often understates the income lenders use to qualify you. A Capital Readiness Report rebuilds your real cash flow with documented add-backs lenders accept (depreciation, amortization, owner comp normalization, one-time expenses, etc.). Your CPA prepares for the IRS. We prepare you for the lender. Complementary, not duplicative.
No — and that's intentional. We recommend categories of lenders (community banks, regional banks, SBA preferred lenders, asset-based lenders) based on your file. We don't name institutions because we have no relationships with any lender and no way to monitor any one's underwriting drift. You choose your lender on factors only you can weigh. The Banker Report is built to be readable by any commercial credit analyst at any institution.
Honestly, it depends on the issue. The plan is a priority-ranked roadmap, not a guarantee of approvability in 90 days. Some items resolve in days or weeks (add-back documentation, debt schedule cleanup, line paydowns). Others take longer (FICO repair, tax lien releases, MCA unwinds). The Full Report tells you the honest timeline for your file, including items needing 6+ months. If your situation needs longer prep, we say so.
Yes. The underwriting math is the same across loan types. SBA 7(a), SBA 504, conventional term loans, lines of credit, equipment financing, working capital — the lender runs the same core calculations: DSCR, adjusted cash flow, debt-to-income, 5C, global cash flow. Different loan types weight the metrics differently, but the underlying math is consistent, and the report covers all of it.
The Snapshot is for owners who want a fast, lower-commitment read before going all in — your borrowing range, DSCR, top issues, and a denial decode if you've had one, in 48 hours. If it shows you need the deeper work, the Snapshot fee credits toward the Full Report if you upgrade within 30 days, so you don't pay twice. If it shows your file is already strong, you've confirmed you're ready for far less.
The cost of staying unprepared
is bigger than the cost of finding out.
About to apply, already told no, or approved for less than you're worth — the right number to know is your number, today, before any lender uses it against you.
Flat fee · No commissions · No referrals · Lender-agnostic