Coinfish Get bankable before you need the bank.
I spent 24 years on the lender's side of the table, so I know what lenders look for. Now I help small businesses and contractors prepare: clean numbers, complete documents, and a clear story, so you walk into any lender or program ready.
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Our Mission
Coinfish Capital Advisors helps small businesses get ready before they seek funding from any lender. We organize the financials, plans and credit picture that position a business for capital and new opportunities, so it shows up prepared, not hopeful.
Assess. Fix. Package.
1. Assess
A 5-minute Readiness Check, then a review of your numbers and documents. You get an honest read on where you stand and what a lender will see.
2. Fix
Clean up the books, build business credit, write the plan and projections. We work on the gaps lenders most often flag.
3. Package
An organized, well-documented file with a clear narrative, sources and uses, and every document in place. Then you decide where to apply, on your own.
How I help
Small Business Readiness
Get your financials, credit, and documents in shape for financing.
Learn more →Capital Strategy
Capital stack planning, debt vs. equity, pitch decks, models, and data rooms. Preparation for any capital conversation.
Learn more →Private Credit Diligence Support
Credit analysis and diligence support for family offices, funds, and private lenders. Consulting only.
Learn more →Business operations & financial support: Cash Flow Management · Internal Financials · Project Budgeting & Estimating · Marketing & Website Development · Proposal Writing · Portfolio Management · Monthly Financial Reporting · Grant & Bid Monitoring · Capability Statement & LinkedIn Kit · Finance Workshops. See details →
Why work with me
Most financing requests don't stall because the business is bad. They fail because the financials are a mess, the documents are missing, or the request doesn't match what the business can repay. I reviewed these files for 24 years and sat on credit committees, so I can show you what they look for.
In my past lender roles I held credit approval authority up to $10 million, managed a CDFI loan portfolio of about $20 million, and built a contractor financing program to about $8 million. Today I bring that lender's-eye view to your preparation, as an advisor, not a lender.
How it works
- Readiness Check: answer a few questions online. No credit pull, no SSN.
- Consult: a short call to go over your results.
- Report & plan: a written score, the gaps, and a 30/60/90-day plan.
- Fix: we work through the plan together.
- Organize: you get a complete, well-documented file.
- You decide: you choose and contact any lender or program yourself. We don't submit, place, or negotiate on your behalf.
We are consultants, not a lender or loan broker. We don't take fees from lenders, we don't submit applications for you, and we don't promise any financing outcome. Financing decisions are made solely by lenders.