A fixed-fee assessment that maps every dollar of personal and business debt across all your units and properties, identifies the primary roadblock, and hands you one to three strategies with the numbers behind each one.
A merchant cash advance covered one payroll gap. Now it takes $250 a day and the unit that was carrying the household is carrying the lender.
Coaches get paid, the Amex eats it at 28%, and the balance never quite clears before the next session block starts.
Two banks said no. Nobody told you which number killed it, or that the fix was 90 days and not a new lender.
Two LLCs, a rental, a 401(k), three cards and a franchisor note. You have the statements. You've never had the statement.
A 25–40 minute online worksheet: income, credit, cash and retirement, every business, every property, every debt. Saves as you go. Nothing leaves your device until you submit.
Your data becomes a personal financial statement, a consolidated debt schedule, per-unit debt coverage, and 18 strategies tested against your actual numbers.
One hour. The roadblock, the one to three moves that clear it, what each saves per month, and the step-by-step playbook for executing them.
If you want the moves run for you, we scope a 90-day engagement with a defined end. Most owners execute the plan themselves with the playbook.
Three scenarios built from the debt structures we see most often in multi-unit youth-sports franchises. Your numbers will be different; the pattern rarely is.
| Two units, $580k revenue | |
| $38k merchant cash advance | $5,400/mo |
| Equipment, LOC, franchisor note | $1,720/mo |
| Refinanced into SBA 7(a), 10 yr | $1,268/mo |
The MCA was eating two-thirds of the strong unit's profit. One refinance, one personal guarantee, and the household went from a $1,275 monthly deficit to a surplus.
| Single unit, strong DSCR | |
| $44k cards + personal loan | 24.8% blended |
| Primary home at 3.25%, 64% LTV | $100k tappable |
| HELOC payoff at 8.5% | $312/mo |
Income was never the problem. Structure was. The cheap first mortgage stayed untouched; a second-position line retired the revolving debt and dropped utilization 68 points.
| Declined by two banks | "DTI" |
| Actual blocker: 68% utilization + one late | |
| Day 1–90: utilization under 30%, dispute, no new inquiries | |
| Day 91: SBA package filed | approved |
The banks weren't wrong, they just weren't specific. Knowing which number to move, and in what order, is the entire difference between a no and a yes.
Illustrative scenarios, not client testimonials. See Disclosures. Monthly figures are computed from the stated balances, rates and terms using the same model the assessment uses; lender pricing, approval and timing vary.
Everything under "What you get", delivered in 10 business days with a one-hour proposal call.
We run the plan: SBA packaging, MCA payoff or settlement, HELOC or refinance, creditor negotiation, credit sprint. Fixed monthly fee or a percentage of capital restructured, your choice.
I operate inside the franchise system you operate in, so I've paid the same royalties, floated the same payroll and read the same MCA agreement at 11pm. I've also spent the last decade on the other side of the table: fractional CFO work, private credit, real estate syndication and a dozen startups across healthcare, SaaS and services.
The assessment exists because the advice franchisees get is usually either a lender's sales pitch or a generic budget. Neither starts from your actual numbers. This does.
It's financial analysis and strategy for business owners. Where a move needs a lender, attorney or CPA, the playbook says so and names what to ask them. Nothing here is a lender decision or a guarantee of approval.
Not without a separate written authorization, and usually not at all. Self-reported scores and a recent app screenshot are enough for the assessment. If a lending strategy moves forward, the lender pulls under your authorization.
Yes. Roughly half of assessments find the roadblock is cost of capital, reserves or credit rather than predatory debt. The "no hard blocker" result is real too, and comes with an optimization plan instead.
Recent statements for every account and loan, last year's tax return or P&L for each business, a mortgage statement per property, and your current credit score. The worksheet saves as you go, so you can gather and return.
Me. It's used for your assessment and nothing else, is not shared with the franchisor or any lender without your written say-so, and is deleted on request.
The franchisor's job is the system. This looks at you: the household, the entities, the properties, the personal guarantees. Some franchisors refer owners here precisely because it's outside their lane.
Tell me the one number that's keeping you up. I'll tell you whether the assessment is worth $5,000 to you or whether a 20-minute answer is enough.