We make your business legible, bankable, and ready for capital, translating your numbers into the story underwriters approve, and moving you off expensive daily-payment debt onto structured credit.
Most owners get turned down, or stuck paying brutal rates, not because the business is weak, but because the file is unreadable to a credit committee. We fix the file.
Inconsistent books, no clean financials, and no narrative connecting cash flow to repayment. A committee can't approve what it can't verify.
Stacked merchant cash advances and factor-rate financing quietly cost 40% to 150% or more effective. It strangles cash flow and scares off real lenders.
Approaching banks without a borrowing base, a DSCR story, or a credit memo means you're negotiating from weakness, and leaving terms on the table.
Merchant cash advances hide their true price behind a "factor rate." Move the sliders to see the real annualized cost of your current advance, and what structured credit could look like instead.
Potential annualized savings by restructuring this advance into a revolving line of credit.
Illustrative estimate only. Effective APR is approximated for fully-amortizing daily or weekly repayment and will vary by actual schedule, fees, and stacking. Not a quote, offer, or guarantee of financing.
A focused advisory engagement that takes your business from "unreadable" to "approvable." We build the file a credit committee says yes to, then position you to access it.
We pressure-test your financials, debt structure, and cash flow exactly as an underwriter would, surfacing every red flag before a lender does.
We compute your DSCR, size a realistic borrowing base across A/R, inventory, and assets, and map your true cost of capital.
We assemble a clean, institutional credit memorandum that tells your repayment story the way committees need to read it.
We prepare you to approach the right capital sources from strength, so you negotiate terms instead of accepting them.
This is the system we run your business through, the same financial analysis, credit memo, and post-refinance modeling a lender's committee relies on. Explore a live sample file.
Borrower shows three consecutive years of EBITDA growth and a business DSCR of 1.42x. Cash flow comfortably supports the proposed facility, and a clean borrowing base of $2.07M provides ample coverage against the requested line.
Monthly cash flow recovered, about $1.79M returned to operations annually. 0.94x DSCR moves to 1.42x DSCR.
Answer five quick questions and get an instant Capital Readiness Score, the same dimensions a credit committee weighs when deciding whether to approve you, and at what rate.
The same document a lender's committee produces internally, built for you, in your favor, before you ever apply.
A clear view of how much you can actually borrow against your A/R, inventory, and assets, and whether the cash flow supports it.
A plan to consolidate expensive daily-payment debt into structured credit, with the cost savings quantified.
Your full underwriting scorecard with prioritized fixes, what to clean up first to move the needle fastest.
Guidance on which capital sources fit your profile and how to approach them from a position of strength.
Work directly with experienced underwriting advisors, not a call center, through the full engagement.
McGuire Consulting Agency was founded on a simple observation: the gap between a good business and an approved loan is almost never the business. It is the file. Owners are evaluated on documents and ratios they never get to see.
We bring underwriting discipline to your side of the table. Every engagement is grounded in real credit standards, DSCR, borrowing-base sizing, and a structured scorecard, so you understand exactly how capital providers see you, and you fix it before they ever look.
No. McGuire Consulting Agency is an advisory firm. We prepare and position you for capital. We do not make loans or guarantee that any lender will approve you. That independence is the point: our job is to get your file as strong as it can honestly be.
No, and you should be skeptical of anyone who does. Credit decisions belong to lenders. What we control is how clearly and credibly your business is presented, which is often the difference between a yes and a no, and between a punishing rate and a fair one.
This is exactly the situation the engagement is built for. We map the true cost of your current debt, model what a consolidated structured facility could look like, and build the file that makes you a candidate for it. The Cost Reveal tool above gives you a first look at the math.
Most diagnostic and packaging work is completed within a few weeks, depending on how quickly we receive your financials. We'll scope timing precisely on the initial consultation.
Typically recent financial statements or tax returns, a current debt schedule, and A/R aging if you carry receivables. We'll send a simple checklist after the consultation, and part of the value is helping you organize this in the first place.
Book a no-obligation Capital Clarity consultation. We'll review your situation and tell you honestly what it would take to get you capital-ready.