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 to the right one.
Big Fin Financial operates differently than traditional financial advisors or consultants. Rather than one-size-fits-all pricing, Big Fin offers three ways to engage — an hourly access rate for targeted advisory work, an advanced hourly rate for specialized financial services, and fixed project fees for defined deliverables. You pay for exactly what you need, nothing more.
The entry point for clients who need expert guidance, answers, or document-level support without committing to a full project engagement. Billed in 1-hour minimum increments.
Targeted guidance, document review, and Q&A. The fastest way to get a banker's perspective on your business.
Reserved for complex, technical, and analysis-intensive work requiring deep financial modeling, underwriting expertise, or multi-layered assessment. This rate reflects senior-level commercial banking experience applied to real financial problems with real capital at stake.
Senior-level credit, underwriting, and financial modeling. The analytical work banks do before they say yes — now working for you.
Defined scope. Known price. No surprises. Each engagement begins with a scoping call (billed at the Tier 1 rate or waived for projects $1,000 and above).
A focused 90-minute strategy session where we review your financials and give you a written bankability summary plus a priority action list. The right first step before committing to a full program.
A structured review of your financials from a lender's perspective. We calculate key credit ratios (DSCR, coverage, leverage), analyze bank statements for red flags, and deliver a written Bankability Report scoring your business across the Five C's of Credit.
An in-depth look at how your business makes money, where margin leaks, and whether your model can support growth and financing. Includes EBITDA normalization, owner compensation analysis, break-even calculation, and written recommendations.
Planning a second location, acquisition, or new product line? We build a complete financial feasibility model covering capital requirements, pro forma projections, DSCR analysis, break-even timeline, and a GO/NO-GO recommendation — framed exactly as a bank's underwriter would evaluate it.
Deeper analytical engagements for complex financial decisions — from custom models to full acquisition due diligence.
A custom Excel model built from your real business data with 3–5 year integrated projections, DSCR analysis, break-even, and sensitivity tables — calibrated to pass bank underwriting. Designed for businesses preparing for loans or investor conversations. Defined-scope builds priced at $1,500 flat; complex or undefined-scope builds billed at the Tier 2 hourly rate with a $1,500 floor.
Purpose-built for early-stage businesses (0–24 months). We build the financial infrastructure that positions your business for bank financing in 12–24 months: entity structure review, revenue model analysis, a starter financial model, a business credit roadmap, and 90-day email advisory access.
Full underwriting analysis of a single commercial real estate asset, including rent roll review, operating statement analysis, NOI calculation, cap rate analysis, DSCR against proposed debt service, lease structure review, and a written underwriting summary with deal strengths and risk flags.
Financial due diligence review of a business acquisition target, including 3-year historical financial statement analysis, normalization, quality of earnings assessment, working capital evaluation, debt schedule review, and a written due diligence findings report. Designed for buyers who need a bank-level financial review before executing an LOI or purchase agreement.
For business owners who need Big Fin in their corner beyond a single project — a structured 90-day transformation or ongoing monthly advisory.
90-Day Full Engagement
Big Fin's flagship comprehensive engagement. A structured 90-day process to diagnose, reposition, and fully prepare a business for successful commercial financing — delivered in phases with progress checkpoints.
Deliverable: All Phase 1–3 work products + complete submission-ready package
Includes: 6 coaching sessions over 90 days
Best for: Business owners serious about securing commercial financing within the next 90–120 days
Monthly Advisory Retainer
Ongoing advisory for growth-stage businesses. Monthly financial performance reviews, expansion analysis on demand, continuous loan readiness monitoring, and on-call advisory access. Minimum 3-month commitment.
For clients in an active lender submission or underwriting process: