McGuire Consulting Agency
Lenders don't reject
businesses. They reject
what they can't read.
We are the underwriting desk on your side of the table. We make your business legible, bankable, and ready for capital. We move you off punishing daily-payment debt and onto structured credit.
The Real Problem
Your business is fine. The way it reads isn't.
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.
Numbers a lender can't follow
Inconsistent books, no clean financials, no narrative connecting cash flow to repayment. A committee can't approve what it can't verify.
Daily-payment debt eating margin
Stacked merchant cash advances and factor-rate financing quietly cost 40% to 150%+ effective. It strangles cash flow and scares off real lenders.
Walking in cold and unprepared
Approaching banks without a borrowing base, a DSCR story, or a credit memo means negotiating from weakness and leaving terms on the table.
How We Think
Underwriting discipline, applied for you.
We do not sell hope, and we do not promise approvals. We bring the exact standards a credit committee uses and turn them to your advantage before a lender ever looks.
The file is the fight
Good businesses lose to bad files. We build the document set that answers a committee's questions before they are asked, so the decision is easy.
Precision over persuasion
Authority comes from the numbers, not the pitch. DSCR, borrowing base, and a clean memo do more than any sales story ever could.
Structure beats speed
The fastest money is usually the most expensive. We trade a punishing daily payment for a facility your cash flow can actually carry.
Founder
The person on your side of the table.
Rodney founded McGuire Consulting Agency after watching too many good businesses get turned away. Not because they were weak, but because no one had ever translated their numbers into something a lender could trust.
He works from the underwriter's side of the table. Every engagement runs on real credit discipline, DSCR, borrowing base, and a clean memo, so owners know exactly how capital providers see them, and walk in ready.
"The business is rarely the problem. The file is."
The Engine Behind the Work
See the underwriting model in action
This is the system we run your business through, using the same financial analysis, credit memo, and post-refinance modeling a lender's committee relies on. Explore a live sample file.
EBITDA Trend
Borrowing Base Build
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 Debt Service: Before vs. After
Illustrative sample file / anonymized figures for demonstration only / not a quote or guarantee of financing
Interactive / Cost Reveal
What is your money actually costing you?
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/weekly repayment and varies by actual schedule, fees, and stacking. Not a quote, offer, or guarantee of financing.
The Engagement
The Capital Clarity & Readiness Engagement
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.
Diagnose
We pressure-test your financials, debt structure, and cash flow exactly as an underwriter would, surfacing every red flag before a lender does.
Structure
We compute your DSCR, size a realistic borrowing base across A/R, inventory, and assets, and map your true cost of capital.
Package
We assemble a clean, institutional credit memorandum that tells your repayment story the way committees need to read it.
Position
We prepare you to approach the right capital sources from strength, so you negotiate terms instead of accepting them.
What You Walk Away With
Tangible deliverables, not just advice
Institutional Credit Memo
The same document a lender's committee produces internally, built for you, in your favor, before you ever apply.
Borrowing Base & DSCR Model
A clear view of how much you can actually borrow against your A/R, inventory, and assets, and whether cash flow supports it.
Debt Restructuring Roadmap
A plan to consolidate expensive daily-payment debt into structured credit, with the cost savings quantified.
Capital Readiness Report
Your full underwriting scorecard with prioritized fixes, so you know what to clean up first to move the needle fastest.
Lender Positioning Brief
Guidance on which capital sources fit your profile and how to approach them from a position of strength.
Senior Advisory Access
Work directly with experienced underwriting advisors, not a call center, through the full engagement.
Interactive / Signature Tool
How would an underwriter score you today?
Answer five quick questions and get an instant Capital Readiness Score. It reflects the same dimensions a credit committee weighs when deciding whether to approve you, and at what rate.
- + Built from a real 14-point underwriting scorecard
- + No email required to see your result
- + Tells you exactly where to focus first
Why This Work Matters
Behind every file is a payroll.
When a cash crisis gets solved, the owner sleeps again, the marriage stops bending under the strain, and every job in the building is a little safer, right down to the person who locks up at night.
Most of them will never know a firm like ours was involved. That is the point. Our job is the file, the structure, and the outcome. Yours is to keep building.
Straight Answers
Questions owners ask first
No. McGuire Consulting Agency is an advisory firm. We prepare and position you for capital. We don't 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.
Find out where you really stand.
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.