Whether a business is just getting started or already established and at a major crossroads in its business life cycle, securing a lending/banking relationship is an important milestone. Navigating the lending process can be a challenging and time-consuming endeavor, packed with paperwork, financials, and forecasts, and endless meetings and conference calls. At R&D Advisory Group, we understand that our client's time is best spent running and growing their business, and created our loan packaging services with that principle in mind.

A loan package is a formal presentation to a bank that may contain the following:

• A business plan
• Historical financial performance information
• Expected future financial projections
• Current financial position
• Present borrowing needs

A loan package is used by potential lenders to evaluate a business and its owner’s credit worthiness. A well-composed loan package demonstrates to the lender that the borrower is both fully engaged and well poised to achieve their business and financial goals.

Our extensive commercial banking experience affords us a strong understanding of what a loan package requires to quickly and successfully get through a bank’s underwriting and credit process, and present our clients in a way that will secure them the most favorable financing terms.

Our team possesses more than 15 years of experience helping small and middle market businesses finance their business and real estate needs. We know not every financing request is going to be a fit for every bank, and sometimes not a fit for any bank at all without the proper ground work. We utilize our knowledge of lending appetites to quickly identify whether our clients’ financing need can be met in the banking arena. If there is still work that must be done before backing is feasible, we immediately refocus our efforts into financing preparedness.