Real Businesses. Real Funding.

A first-time buyer had been declined by two lenders. Her business plan lacked the financial depth underwriters needed no global cash flow analysis, no debt service coverage ratio, and projections that didn't tie out.

We rebuilt her financial model from the ground up using our 132-input workbook. We ran a full global cash flow analysis, modeled DSCR at 1.35x, and restructured the acquisition price to hit lender thresholds. The business plan was rewritten to address every underwriting concern upfront.

Approved for a $2.4M SBA 7(a) loan within 30 days of resubmission. The lender noted the projections were among the most thorough they had reviewed for a childcare acquisition.

A franchise buyer needed a lender-ready package that could move fast. He had a strong personal financial profile but no business plan or projections and a 45 day closing window.

We completed a full bank-ready business plan and five year financial projection model in 10 business days. The package included integrated P&L, cash flow, and balance sheet models, a franchise specific market analysis, and a complete loan narrative.

Three lenders submitted competing term sheets. The buyer closed with the most favorable terms a lower rate and reduced collateral requirement  because the package gave lenders confidence in the deal from day one.

A consultant wanted to acquire a small professional services firm. The initial purchase price produced a DSCR below 1.0 the deal wouldn't qualify for financing as structured.

We modeled multiple acquisition structures adjusted purchase price, seller carry-back, and earnout scenarios and identified the configuration that brought DSCR to 1.25x while preserving the buyer's equity position. We presented the restructured deal with full documentation.

The buyer renegotiated the purchase price using our analysis as the basis. The restructured deal was approved by the first lender approached. The seller accepted because the model demonstrated the business's true earning capacity.

A regional CDFI was referring clients for SBA loans but losing deals at the underwriting stage not because the businesses weren't viable, but because the financial packages weren't lender ready.

Touchpoint Planning became a preferred referral partner. We built a streamlined intake process for the CDFI's clients, standardized the projection format to match the lender's underwriting template, and provided a consistent turnaround of 10–14 business days per package.

The CDFI's loan approval rate for referred clients improved significantly. Touchpoint Planning now serves as the financial documentation partner for multiple community lending programs in the region.