Plain-English reviewUnderstand the structure, not just the rate.
Free SBA second opinion
Have a proposal? Know what to ask next.
Share the terms you have and what feels unclear. Andrew will organize the structure, translate the lender language, and help you prepare better questions—without pressure to switch lenders.
A real personAndrew personally reviews every request.
Free to youNo advisory fee and no obligation to proceed.
What Andrew looks for
The rate is only one line in the story.
True cash required
Down payment, fees, reserves, working capital, and any costs that may sit outside the financing.
Payment and flexibility
Amortization, maturity, prepayment terms, variable-rate exposure, and room for the business after closing.
What is still missing
Open conditions, collateral expectations, guarantees, timing, and the questions worth resolving before moving forward.
No proposal yet?
Start with a free SBA game plan instead.
If you are still exploring, the educational game plan can help organize the project before a lender conversation begins.