Lendlens Advisory LLC · Commercial Credit Advisory

You wouldn't buy a house
without an inspection.

Don't buy a business — or apply for a commercial loan — without someone who's spent years on the other side of the table reviewing the numbers.

Book a Free 20-Min Call See Services
$—M+ Deals Reviewed
10 Yrs Underwriting Experience
5–7 Day Turnaround
🏦Former Commercial Underwriter
📄Written Deliverable Every Engagement
⚡5–7 Business Day Turnaround
🔒Secure Document Handling
🎯No Broker Conflicts of Interest
Who This Is For

You're in one of
these situations.

🏢

Buying a Business

You have a CIM and a stack of tax returns. Your attorney is reviewing the purchase agreement. But nobody is actually stress-testing the financials. That's a serious gap when you're putting hundreds of thousands of dollars on the line.

📋

Applying for a Loan

You have a solid business but your application keeps getting declined — or you want to know exactly what a lender will see before you submit. One preparation step can be the difference between approval and another hard pull.

🔄

Previously Declined

You've been turned down once and don't fully understand why. A decline isn't always a dead end — it's usually a packaging problem. I can diagnose it and fix it before your next submission.

🤝

Broker, CPA or Attorney

Your client needs financial analysis you don't provide. You want a specialist you can refer confidently — someone who delivers clean, written work and never steps on your relationship.

What's at Stake

The cost of skipping
this step is real.

⚠️

Overpaying for a business

When earnings aren't normalized and add-backs don't hold up, buyers routinely overpay by 20–40%. That's not recoverable after closing.

⚠️

Declined after months of waiting

The average SBA loan takes 60–90 days. Getting declined at the end over a fixable packaging issue is an expensive mistake.

⚠️

Inheriting hidden liabilities

Revenue concentration, deferred maintenance, off-balance-sheet obligations — these don't appear in a broker's CIM. They appear after you own the business.

⚠️

Applying before you're ready

Multiple hard pulls and a pattern of declines signals elevated risk to lenders. One honest assessment can tell you whether you're ready — or what to fix first.

My fee is a rounding error compared to the deal you're working on. For a $1.5M acquisition, a $5,000 due diligence fee is 0.3% of the transaction. The cost of skipping it can be multiples of that — in overpayment, inherited debt, or a deal that unravels after you've already committed.

~20% of small business acquisitions face major financial surprises in year one
50%+ of SBA loan declines involve fixable packaging or presentation issues
0.3% typical advisory fee as a share of a $1.5M acquisition
60–90 days lost on an SBA application that ends in a preventable decline
Services

Three ways to work together.

01

Business Acquisition Due Diligence

Before you wire money and sign your name to a deal, I stress-test the financials. I review 2–3 years of statements, normalize earnings, identify revenue concentration and red flags, and tell you whether the business actually cash flows at the proposed purchase price and debt structure.

$2,500 – $15,000 $2,500–$3,500 under $500K · $3,500–$6,000 for $500K–$2M · $6,000–$15,000 for larger deals · Rush delivery +30%
02

Loan Package Preparation

Most applications fail not because the business isn't fundable — but because the package doesn't tell a compelling story. I build complete packages the way underwriters want to receive them: clean spreads, strong narrative, defensible projections, and a debt schedule that anticipates every question.

$1,800 – $8,500 $1,800–$2,500 under $500K · $3,000–$5,000 for SBA/CRE · $5,000–$8,500 complex deals · Optional success fee available
03

Credit Readiness Assessment

Not sure if you're ready to apply? I review your financials the way a commercial underwriter would, identify exactly what's working against you, and give you a specific plan to improve your position before you walk into any lender's office.

$750 – $3,500 $750–$1,200 sole prop · $1,500–$2,500 small business entity · $2,500–$3,500 with 90-day follow-up · $600–$900/mo retainer
The Difference
"Most advisors look at your numbers from a strategy perspective. I look at them the way a lender does — because that's exactly what I did for years."
  • ✓
    I've sat on the other side. I've reviewed thousands of applications from the lender's chair. I know what kills deals on the credit committee floor and what makes a package easy to approve.
  • ✓
    No incentive conflicts. I'm not a broker, lender, or dealmaker. My only job is to give you an accurate, independent picture — even when it's not what you want to hear.
  • ✓
    Fast and specific. You get a clear written deliverable — not a vague consultation. Turnaround is 5–7 business days so you're never the bottleneck in your own deal.
  • ✓
    One accountable person. When you're putting $300K+ on the line, you want someone's name on the analysis. Mine is on every report I deliver.
How It Works

Simple. Fast. Accountable.

01
Free Intro Call
20 minutes. You explain the situation. I tell you if and how I can help.
02
Engagement Letter
Clear scope, defined fees, timeline. No surprises on either side.
03
Document Upload
Secure shared folder. I give you a precise checklist so you know exactly what to send.
04
Analysis & Report
Written deliverable in your hands within 5–7 business days.
05
Review Call
We walk through findings together until every question is answered.
FAQ

Questions people ask
before hiring me.

If something isn't answered here, the free intro call is the right place to ask it. No obligation.

Book a Free Call
CPAs focus on tax compliance and accounting accuracy — not on how a lender or buyer will interpret your numbers under credit analysis. Brokers have a financial incentive to close the deal, which creates an inherent conflict when it comes to surfacing problems. I'm independent, with no stake in the outcome except giving you an accurate picture. My background is commercial underwriting — I've spent years making exactly these assessments from the lender's side of the table.
It depends on the service. For due diligence: 2–3 years of business tax returns, YTD P&L and balance sheet, the seller's add-back schedule, existing debt obligations, and the LOI or purchase agreement. For loan packaging: similar financial docs plus loan purpose and collateral summary. For a credit readiness assessment: 2 years of business and personal tax returns, current financials, and a list of existing business debt. I send a complete itemized checklist after the intro call — no guessing required.
Standard turnaround is 5–7 business days from the date all documents are received. Rush delivery (3–4 business days) is available for a 30% premium. The engagement letter process takes 1–2 days. Document collection on your end typically takes 2–5 days. Plan for roughly 1.5–2.5 weeks from first contact to receiving your final report.
I work across most industries and deal sizes relevant to small and mid-market businesses — typically acquisitions or loans in the $250K to $10M range. Industries I work with regularly include services, healthcare, food & beverage, construction, distribution, and professional services. If your deal falls outside this range, I'll tell you on the intro call if someone else is a better fit.
No — and you should be skeptical of anyone who makes that promise. What I provide is an accurate, independent analysis of the financial picture as it actually exists, and a clear view of how a lender or sophisticated buyer would evaluate it. The decision is always yours. My job is to make sure you're making it with real information, not wishful thinking.
A prior decline is actually a useful data point. Lenders are required to issue an adverse action notice explaining the reason — bring it if you have it. Even when the reason is vague, I can usually identify the real issue by reviewing your financials the same way the underwriter would have. Many declines are DSCR problems, packaging issues, or fixable structural gaps rather than fundamental unfundability. The Credit Readiness Assessment is designed for exactly this situation.
Documents are exchanged via a secure encrypted folder — no email attachments. I don't retain your documents beyond the scope of the engagement, and nothing is shared with any third party. A confidentiality clause is included in every engagement letter as standard.
Every report includes an executive summary, detailed financial analysis with spreads, key ratio analysis (DSCR, leverage, liquidity), specific findings and risk flags, and actionable recommendations. For acquisition due diligence I also include an earnings normalization section, revenue quality assessment, and a deal risk summary. For loan packaging, the deliverable is the actual submission-ready package — not just a report about what it should contain.
Yes, and this is a meaningful part of how I work. I operate as a specialist resource for referral partners who want to offer their clients financial analysis depth without taking it on themselves. My role is clearly defined, my deliverable is specific, and I always refer work back when something falls in your lane. Reach out directly to discuss how we can work together.
Get Started

Ready to see your deal
through a lender's eyes?

Book a free 20-minute call. No pressure, no pitch. You'll leave knowing whether I can help and exactly what working together looks like.

Book a Free Call
📧 hnelson@lendlensadvisory.com
·
📞 (704) 907-9479