No application fee. No obligation. Most discovery calls last 15 to 25 minutes. Call (937) 389-9513 or visit our Beavercreek office at 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH.
### Step Two: Document Gathering & Scenario Packaging
We request recent business bank statements, tax returns, a driver's license, and a brief use-of-funds summary. For real estate or equipment purchases, we add the purchase agreement or invoice. We package your scenario into a broker submission that highlights strengths and explains any credit events, industry headwinds, or thin collateral situations in context.
### Step Three: Lender Shopping & Offer Comparison
We submit your file to multiple funding sources within our network, regional banks, credit unions, SBA-preferred lenders, independent finance companies, and return with term sheets you can compare. You see the amortization, the collateral pledge, the prepayment terms, and the personal-guarantee language side by side.
### Step Four: Selection, Underwriting & Closing
You choose the offer that balances cost, flexibility, and speed. The lender conducts final underwriting, orders any appraisals or UCC searches, and prepares closing documents. We coordinate signatures, answer questions, and ensure conditions are satisfied. Funds typically arrive within days of closing for equipment and working capital, two to eight weeks for SBA and commercial real estate transactions.
