Stoic and Resilient Services
Lendability Consultation
I will look at your current business condition and provide expert advice on the following topics:
Financing Strategy and Optimization
Let's talk about what types of financing are available to you and what's right for your current situation.
Readiness for Financing
Let's discuss if you're prepared to be approvable by a bank and how they will look at your business.
Interest Rate Benchmarking
Let's sanity check your interest rate expectations and strategize how to get the best rate.
Loan Negotiation Strategy
Let's discuss how to negotiate with your lender to get the best possible terms.
Lender Outreach Strategy
Let's discuss how to get your business in front of the right lenders to maximize your loan offer along the lines of your strategic priorities.
Loan Offer Optimization
I will help you optimize your current loan offer through the following:
Expert term sheet review
I will audit your term sheet or commitment letter and provide a "red-flag" report.
Loan doc review
I will review your existing or proposed loan documents and provide a report that details from a strict financial and credit perspective any pitfalls, red flags, or advantages present so that you go into a loan agreement prepared and informed or so that you have adequate perspective on your current loan documents.
Loan Covenant Review
I will review your loan covenants and advise on what the bank really is expecting and if the proposed covenant package is right for your business.
Mock Underwrite
I will prepare a credit memo for your company and loan need similar to what the bank's underwriter would prepare for their credit committee so that you have greater transparency as to how they will look at your business.
**Disclaimer**
I provide consulting, not legal advice. You should have your loan documents reviewed by a licensed and qualified attorney.
Career Strategies for Commercial Banking Professionals
I am a soundboard for commercial banking professionals and will advise on how to:
Optimize your current role
Prepare for your next move
Plan a long-term career path
Mock Interview
Improve Your Salary
Pricing
I offer flexible pricing arrangements including flat fees, success-base fees, and ongoing fees.
Depending on your request and to demonstrate my worth, I may be able to do certain types of work upfront with no charge.
My services will always include a formal Scope of Work I will provide you with pricing we will both agree to prior to an engagement.
Please contact me a stoicandresilient@gmail.com to discuss specific pricing arrangements.