(Program scope = everything included once you're engaged)

LTF Advisory isn't a one-time consultation - it's a full engagement that starts the day you sign and stays with you through funding. Most clients come in with a long-term goal - like SBA financing in 6 months - but sometimes the business can't wait that long to get funded. This program covers both: we build your long-term roadmap, and if funding is needed along the way, we place that too, whether it's SBA, commercial real estate, term, asset-based, or short-term bridge financing. Whatever the timeline, you're never left to find it on your own. This keep you and your business safe from having to deal with predatory lending.

Here's what's included:

• Lender Access:  Direct relationships with SBA, commercial real estate, term loan, and asset-based lenders, built over 20+ years, with preferred status at many of them.
• Full Financial & Underwriting Review: A complete diagnostic of your P&L, balance sheet, debt schedule, and A/R, reviewed the way an underwriter will actually read it.
• Strategic Roadmap: A real timeline to get funding-ready, mapped against where your business is now, at 6 months, and at 1–3 years out.
• Credit & Financial Cleanup: Personal and business credit reviewed for issues, plus basic bookkeeping cleanup so your books are lender-ready.
• Ongoing Advisory: One dedicated advisor working your file from diagnosis through placement - not a broker chasing a single deal.

(Financial & underwriting review: what this means is we take a full look at your business as it stands today)

We start by pulling everything: tax returns, profit and loss statements, balance sheet, debt schedules, accounts receivable, accounts payable, and anything else that gives us a real financial picture. From there, we build a current snapshot of where your business stands right now.

Then we look for places to improve, not just operationally, but in how your business will actually read to a lender. That includes things like:

• Accounting method: cash versus accrual accounting, and how that choice can shift how strong your numbers look on paper
• Reporting nuances: small adjustments in how your financials are presented that better position your business without changing the underlying reality
• Outdated practices: cases where your CPA or bookkeeper is using methods that are quietly hurting your borrowing power

If we find issues like these, part of the engagement may involve working directly with your CPA, CFO or bookkeeper to correct them, so your financials are telling lenders the true, strongest version of your business.

(Strategic roadmap: The plan that turns your diagnosis into a funded outcome.)

A diagnosis by itself doesn't get you funded, it just tells you where you stand. The roadmap is where that turns into action: a real plan, with a real timeline, built around your actual goals rather than a generic checklist.

That plan includes:

• Current snapshot: where your business stands today, based on the financial and underwriting review
• 6-month outlook: what needs to happen in the near term to move you closer to funding-ready
• 1 to 3 year outlook: the longer-term path, matched against your goals on that same timeline
• Target date: a real date we're building toward, not just "someday," so both you and your advisor know what you're working against
• Milestones along the way: the specific fixes (credit, documentation, debt reduction, accounting cleanup) that need to happen before each stage, and when

Every roadmap is different, because every business is different. But you always leave this stage knowing exactly what has to happen, in what order, and by when.

(A simple, one-time engagement fee.)

LTF Advisory is $500, payable in two installments of $250. This isn't a diagnostic fee, it's a commitment fee, on both sides. The moment you're in, you've got a dedicated advisor working your file, and we've committed to building and executing your roadmap.

Your $500 commitment fee is fully refundable, credited back to you out of our commission on your first funded loan through us.

(A member of your team, focused on your finances so you don't have to be.)

Most business owners are experts at what they do, not at business finance, funding strategy, or capital planning. A pizza maker knows pizza. A dentist knows dentistry. Neither one signed up to become an expert in debt schedules, lender requirements, or when to refinance.

That's what ongoing advisory is for. Think of your advisor as a member of your team, someone keeping you on track and making sure decisions around funding and financial strategy are sound, so you can stay focused on running the business you're actually good at. That includes:

• Staying ahead of decisions: flagging financial moves before they become problems, not after
• Keeping the roadmap current: adjusting the plan as your business changes, instead of leaving you with a static document
• Being the first call: when a financial or lending question comes up, you have someone who already knows your business, not a stranger to explain everything to from scratch

(The difference between going it alone and having someone actually on your side.)

Seeking funding on your own:
You start Googling, filling out random applications, maybe hitting a lead form or two. Within days, your phone doesn't stop. Every call is a broker with a pitch, most of them slinging MCAs, none of them asking a single question about your business before offering you money. You take something because you need cash flow now. A few months later you're stacked, your daily debits are eating your revenue, and the people who sold it to you were never underwriters, they were salesmen reading a script.

Working with LTF Advisory:
We start with the goal, not the product. What are you actually trying to do, grow, refinance, get out of expensive debt? From there we look at the pain points, the shortcomings, and the strong suits already working in your favor. Depending on where your business stands, that could mean an SBA loan in as little as two months, or it could mean a short-term timeline while we build toward something bigger. Either way, you're placed with lenders we've built preferred relationships with over 20+ years, not whoever answers the phone first.

(A breeze, on purpose.)

Complete the intake form on this page. It'll ask a series of questions about your business and request a full set of documents for review. If you don't have something on hand, like a debt schedule, we provide the tools to help you build it. From there, we take it from here, no runaround, no chasing paperwork for weeks, just a real look at where you stand and what's possible.