Project · from $15,000 · 6–10 weeks
Ownable Books keeps you always capital-ready. Capital Readiness is the 6–10 week sprint that turns that posture into a funded deal — SBA-grade financials, OWNABLE Score certified, QoE prep done, and warm intros into our active SBA lender network. Not a list. Live introductions.
Always capital-ready. Always exit-ready.
Start with a 25-minute diagnostic. No pitch.
Free · 25 min · No pitch · Reply within 1 business hour
What changes
6–10
Weeks to lender-ready
Diagnose, build, intro.
3–6
Warm lender intros
Active SBA + conventional.
$0
Referral fees taken
From any lender, ever.
Scope of work
Trailing-twelve financials rebuilt to lender standards
Three-statement, monthly, comparative. Cleansed of one-time items. Tied to bank statements. Ready for diligence.
Quality-of-earnings (QoE) prep document
EBITDA bridge, normalization adjustments, customer concentration, working capital — written up the way an SBA underwriter or QoE firm expects to see it.
OWNABLE Score certification
The TDV metric our active SBA network recognizes. Comes with a one-page certification summary that goes into the lender package.
Lender package + pitch deck
Executive summary, use-of-funds, repayment capacity, owner background, deal structure. Designed for SBA 7(a), conventional commercial, and seller-financed deals.
Warm introductions to our active SBA lender network
Not a list. Live intros, with context, to lenders who are actually deploying in your size band and industry. We don't take referral fees.
Lender Q&A prep + sit-on-the-call support
Two 90-minute prep sessions before lender meetings. We sit on the first lender call to make sure the package walks.
Post-close cleanup + reporting cadence
Many SBA loans require monthly or quarterly lender reporting. We install the cadence so covenant compliance isn't a fire drill.
Process
Week 1–2
Diagnose + data room
Full read of last 36 months. Diligence checklist. Secure data room stood up. Scope-of-issues document delivered.
Week 3–5
Financials + QoE prep
Books cleaned to lender standards. EBITDA normalization. Working capital + customer concentration analysis. OWNABLE Score certified.
Week 6–7
Package + deck
Lender package and pitch deck drafted and refined. Owner does dry runs. Lender Q&A prep complete.
Week 8–10
Intros + term sheets
Warm introductions to 3–6 lenders in our network. We sit on first calls. Term sheets reviewed together. Best deal selected.
Investment
Capital Readiness starts at $15,000 for a single-entity, single-loan engagement with reasonably clean books. Larger or more complex scopes — acquisitions, multi-entity holdcos, messy target due diligence — are quoted after the diagnostic.
We do not take referral fees from lenders. Your loan is your loan. The only money that changes hands is between you and us, and between you and the lender directly.
Pricing
Flat project fee, quoted after a 30-minute diagnostic. 50% to start, 50% at lender introductions.
Proof
$650K
SBA line secured
Regional HVAC services
$4.2M revenue · 31 employees
Before
Two failed loan attempts in 18 months. Books closed 45 days late. Lender's first reading of the prior package was 'we can't underwrite this.' Owner had stopped applying.
After
Books rebuilt to LTEM standards. Capital Readiness delivered in eight weeks. $650K SBA line secured 45 days after the lender package was delivered. Lender's quote: 'cleanest file we've seen this quarter.'
Frequently asked questions
What's next
Tier I · $500/mo
If your books aren't yet lender-ready, this is the prerequisite. 2–4 months of clean books before Capital Readiness is typical.
ExploreTier III · $2,500/mo
Capital Readiness is included in the natural arc of Tier III. Many owners do this project, then move into Tier III post-funding.
ExploreProject + success fee
Many of the same artifacts. If the capital is for a planned exit window, we usually scope both together.
ExploreFree · 25 min · No pitch · Reply within 1 business hour