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Become capital ready.
Most declines are not close calls. They are applications that were never going to clear, submitted months too early.
What this is not
We are not a lender or loan broker. We receive nothing from any lender, we contact no lender, we recommend no lender, and we submit nothing — you submit the application yourself. Nobody here can promise what a lender will decide.
What readiness means
Documentation
Two years of returns, current financial statements, entity and ownership documents, bank statements — complete and mutually consistent.
Cash flow
Demonstrable capacity to service the debt you are asking for, evidenced from the books rather than asserted.
Credit file
A commercial file that exists, is accurate and has reporting depth. This is why business credit comes first.
Honest read
A written assessment of what your business can realistically borrow today, and what would have to change to move that number.
The lender package
Assembled from the same books and returns we already prepared, so nothing contradicts anything: financial statements, tax returns, your current credit report as you read it, entity and ownership documents, a cash-flow summary, and a short written narrative of the business and the use of funds.
You own it. You decide who sees it. We receive nothing from any lender, and if that ever changed, this page and the disclosures would say so before it did.
Three documents that do not agree
Revenue on the return, revenue on the P&L, and revenue implied by the bank statements differ by more than a rounding error. An underwriter reads that as a reason to stop, and rarely says which one it was. The Capital Workspace ties the three out before anyone else does, at a stated tolerance, and asks you for the reason the lender will ask for.
The whole cycle, with the roles kept straight.
Accounting work by us. Every choice, every form and every submission by you, with your figures beside you. That division is not a formality; it is what keeps this an accounting engagement and nothing else.
- Compute what your books support — debt service coverage, leverage, liquidity, time in business — against the floors most lenders publish. Not a score, and not a prediction of anyone's decision.
- Write and sign a readiness opinion. A named adviser signs it; nothing moves until one has.
- Explain the six ways to borrow, neutrally, with the considerations of each.
- Tie your return, your statements and your bank records out against each other, and your debt schedule against your credit file.
- Lay your figures out in the order the lender's form asks for them, each with the document and line it came from.
- Answer your accounting questions while the lender reviews. Keep the covenant calendar once it funds.
- Choose the program.
- Filter a public directory of institutions on your own criteria — state, program, time in business, revenue — and choose one. The list is alphabetical. We recommend none of them and none of them pays us.
- Fill the lender's form yourself, on the lender's channel, with the figures sheet beside you. Your Social Security number and other identifiers are never stored here; you complete them at signing.
- Submit it yourself, and tell us when and where.
- Record what the lender asks and what the lender decides. A decline routes its reasons into your credit plan; it is not the end.
Fees are for accounting work performed, inside the Accelerator engagement. Nothing here is priced on an outcome, and nothing here is a fee for preparing or submitting an application.
Meridian Advisor is not a lender or loan broker and does not guarantee financing approval, terms, or the availability of any credit product. Financing decisions are made solely by lenders under their own criteria. Meridian Advisor receives nothing from any lender. You submit the application yourself; the firm's role is limited to accounting work on your own records and the software you use to organise them.