Call (843) 268-6632 to discuss revenue, time in business, credit profile, collateral, and exactly what you need the funds for. We'll tell you immediately if your scenario fits one of our programs or if another path makes more sense. No vague promises, just a candid assessment.
Step Two: Document Gathering
We send a checklist tailored to the program. Typical items include two years of business tax returns, three to six months of business bank statements, a current profit-and-loss statement, a balance sheet, a debt schedule, and a one-page explanation of how you'll use the funds. If you're buying equipment, we need the vendor quote. If you're purchasing real estate, we need the purchase agreement and property details.
Most clients gather these documents in two to five business days. We review everything before submission to catch missing signatures, mismatched dates, or incomplete schedules that would otherwise delay underwriting.
Step Three: Lender Matching and Submission
We submit your package to lenders whose credit appetite, geographic focus, and program parameters align with your profile. A contractor in Ladson seeking a $300,000 SBA loan for vehicles and working capital goes to different lenders than a medical practice in Summerville seeking a $1.2 million real estate loan.
Step Four: Term-Sheet Comparison
When offers arrive, we build a comparison spreadsheet showing loan amount, repayment term, monthly payment, collateral requirements, prepayment terms, personal guarantee scope, and any covenants or restrictions. We walk you through the trade-offs: longer terms lower monthly payments but increase total interest; shorter terms build equity faster but strain monthly cash flow.
Step Five: Closing Coordination
Once you select an offer, we coordinate with the lender's closing team, the title company (for real estate), and any attorneys to schedule signing. You'll receive a final closing statement at least 24 hours before signing so there are no surprises.
