Clear scope. Transparent pricing. Defined deliverables. No surprises.
The step-by-step roadmap banks wish you already had. Written from 20 years behind the commercial banking desk. Instant download.
One focused hour reviewing your financial situation, your business background, and your lending goals. You will leave with a written one-page summary and a clear path forward.
To schedule, email theloandeskusa@outlook.com after purchase and we will arrange a time that works for you.
Your actual financials entered and analyzed using the same underwriting methods commercial banks use. Four tiers based on entity complexity, determined at time of engagement. Every tier includes a completed underwriting workbook.
For sole proprietors, single-member LLCs, and other simple entity structures. EBITDA method underwriting.
For LLCs and S-Corps with balance sheet complexity including accounts receivable, inventory, or meaningful debt structure.
The dual-method analysis used by commercial lenders on complex files. Both EBITDA and Uniform Credit Analysis methods with full three-year trend analysis.
For businesses with related-party entities, global cash flow requirements, or multiple entities that interact. The most complex analysis The Loan Desk offers.
The centerpiece of every Loan Desk engagement. A document written specifically for you, not for the bank. Banks write credit memos for internal committee review. Brokers write applications designed to attract lenders. This document gives you complete clarity on where you stand, what it means, and exactly what to do about it.
Your numbers, presented the way a banker actually reads them. Normalized cash flow, Debt Service Coverage Ratio, three-year income statement spread, EBITDA add-back analysis, common size balance sheet, working capital analysis, key ratios, and guarantor profile.
What those numbers mean in plain language, from someone who has reviewed thousands of these files. Each finding explained in plain English, what type of lender fits your profile, realistic terms and conditions to expect, and where your file is strong and where it needs work.
Specific, actionable guidance on how to improve every number that matters. P&L optimization, balance sheet strengthening, owner compensation strategy, insurance gaps, entity structure and tax planning, debt restructuring, and a 90-day prioritized action plan with specific next steps.
Includes completed dual-method underwriting workbook. Priced by engagement complexity.
All three services. One complete engagement. The fastest path from where you are today to walking into any lender meeting fully prepared.
One focused hour reviewing your situation, identifying gaps, and building your starting point.
Your financials analyzed using both EBITDA and UCA methods. The same process commercial lenders use.
The written document that walks into any lender meeting with you.
Complete Package Price
Save $200 vs. individual pricing • Priority scheduling and turnaround included
Get the Full Package3-month minimum commitment
For clients working through the improvement roadmap who want ongoing guidance, accountability, and direct advisory access between sessions.
Paid at closing
Once your file is prepared, The Loan Desk can refer you to the right lender for your specific situation or broker your loan directly through non-bank lending channels.
Book a free 15-minute call. We will review your situation, confirm the right tier, and outline exactly what to do next.
This is for educational purposes only and is not financial or legal advice. Consult a qualified professional before making borrowing decisions.