Big Fin Financial has a foundation in Commercial & Industrial (C&I) underwriting, credit analysis, financial statement analysis, and risk assessment at the institutional level, the same framework major banks use to decide who gets funded and who does not.
Most business owners have no idea what their bank's credit committee actually discusses when their file is on the table. They don't know what DSCR means, why their tax return may be working against them, or what those 12 months of bank statements are really revealing.
Banks make credit decisions using criteria they never explain. We translate that language into a roadmap your business can actually follow. That information gap is the reason great businesses get denied. At Big Fin, we close that gap.
These services are built for three audiences: established businesses preparing for financing or growth, individuals navigating personal credit decisions, and early-stage startups building the financial foundation that positions them for bankability. If you sit across from a lender, or want to be ready when that day comes, this is for you.
Most financial consultants either studied lending in a classroom or broker deals for a commission. We are neither. Every engagement lists the fee and an approximate turnaround, so you know exactly what to expect. Not sure where to start? Book a free discovery call and we'll point you in the right direction.
15+ years as a practicing commercial banker, not someone who read about it. That is the difference between advice that sounds good and the advice that actually gets loans approved.
No referral fees from lenders, no percentage of your loan. Our only incentive is helping your business succeed, not steering you toward any particular product or institution.
Every engagement we take on produces a tangible output: a written report, a working financial model, a packaged loan application. You leave with something you can act on and show to your banker.
Our deep working knowledge across all three major commercial credit verticals is rare in a single independent consultant. Most competitors specialize in just one.
A 15-minute conversation to understand your business and goals. No pressure, no pitch, just clarity on whether and how we can help.
We start every engagement with a structured analysis of your financials, the same review a bank's underwriter performs. You receive a clear, written Bankability Report.
Based on the diagnostic, we build a tailored action plan, whether that's loan readiness coaching, a feasibility analysis, a custom financial model, or an ongoing retainer.
We work through execution with you, preparing your loan package, validating your expansion decision, or standing as your ongoing financial partner. You walk into the bank ready.