Financing · Management · Consulting
Micro loans of $5,000 to $50,000 to kickstart cashflow. The range sits above what an owner covers out of pocket and below what a commercial lender will write. We underwrite on gross margin and on how long a dollar takes to come back once it is spent, not on collateral, and repayment follows that same cycle. Common uses are inventory ahead of a known season, ad spend against a campaign that already converts, and the gap between a sale and its payout.
Integrated CRM, sales pipeline, IT, HR, and banking, run as an operating function rather than handed over as advice. One system of record for contacts and deals, hosting and email and backups kept current, contractor and payroll records maintained, and accounts reconciled on a fixed monthly cadence.
Business strategy with accomplished business owners. Sessions cover pricing, which acquisition channels to fund and which to cut, what the next hire should be, and when to reinvest against when to take money out.
The first piece of work is a single constraint, picked because it is the one holding the rest back, and nothing wider is proposed until that is finished. Owners planning to sell inside a year are not a good fit; the work is priced and paced for longer than that.