kami@klmcpa.com (805) 526-8355
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Bank Financing

Bank Financing

Do you need money to grow your business? Requesting a business loan without adequate preparation sends a clear message to the lender: High Risk! Therefore, it pays to be prepared and organized in your approach for financing.

Put your best foot forward by allowing Kami L. Molin, Certified Public Accountant to prepare a winning loan proposal for you. Our proposals have a high likelihood of success because they're created from the lender's perspective. You get the money you need because we know exactly what banks want to see, and more importantly, we know how to prove to them that you'll be able to pay them back.

Our winning loan proposals come complete with...

  • Executive Summary: Concise statements of the purpose of the loan, the exact amount of money required, an explanation of what the loan will be used for and why it's needed.

  • Pro-forma Cash Budgets and Financial Statements: Data and underlying assumptions are utilized to prepare information that your banker can easily read and buy in to.

  • Owners Personal Financial Statements: Copies of the last 3 years of personal tax returns for the bank as well as identifying the collateral being pledged as security for the loan.

  • Representation: Substantiate your financial needs/position to your banker in person.