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MORE FUNDING WON’T FIX A BROKEN FINANCIAL STRUCTURE
Before you apply for another loan, take another MCA, or put more debt on the business, find out what’s actually wrong
Your business may be generating revenue – but that doesn’t necessarily mean it’s financially healthy or fundable
Shrinking profitability. Rising labor costs. Poor cash flow. Multiple daily or weekly MCA payments. Tax issues. Existing debt. Credit problems. Repeated lender declines.
These aren’t problems another quick injection of cash automatically solves.
Sometimes more debt just gives an unhealthy financial structure more time to get worse.
START WITH THE BUSINESS. NOT THE LOAN
AD2 Consulting has relationships with hundreds of lenders and capital providers. But finding another lender shouldn’t be your first conversation
First, we need to determine whether your business is fundable, what’s preventing it from qualifying from better capital, and whether its financial structure can reasonably support additional debt.
That’s the purpose of our Business & Commercial Consulting and Capital Advisory Service.
WHAT’S REALLY HAPPENING INSIDE YOUR BUSINESS?
If you’re experiencing any of the following, it’s time to look deeper:
- Revenue is growing but profitability is shrinking
- Payroll or labor costs are consuming too much revenue
- You’re constantly short on working capital
- Daily or weekly MCA payments are draining cash flow
- You’ve stacked two or more MCAs just to keep operating
- You’re borrowing to cover existing debtBanks and traditional lenders keep declining the business
- You don’t know exactly why you’re being declined
- The business generates significant revenue but still can’t qualify for favorable financing
- You’re considering another expensive financing product because you feel out of options
These are financial-structure problems—not simply funding problems.
WHAT AD2 CONSULTING ACTUALLY DOES
We’re not simply submitting another application and hoping a lender says yes.
Professional Review
AD2 performs a professional review of your business and commercial financial condition to help identify what’s working, what’s hurting the business, and what may be standing between you and sustainable financing.
Depending on your circumstances, our review may include:
Financial Condition
Review of income statements, balance sheets, cash flow, tax returns and other financial information.
Debt Analysis
Evaluation of existing loans, lines of credit, MCAs and other business obligations.
Profitability & Cash Flow
Identification of financial pressure points affecting margins, liquidity and the business’s ability to service debt.
Credit & Financing Readiness
Review of factors that may be preventing the business from qualifying for traditional or more favorable financing.
Collateral & Business Assets
Evaluation of real estate, equipment, accounts receivable, inventory and other assets that may support a financing strategy..
Capital Strategy
Identification of realistic financing alternatives based on the financial condition of the business—not simply the amount of money you want.
Have Multiple MCAs?
Another MCA should not automatically be the answer.
If your business is making multiple daily or weekly payments, the first question isn’t:
“Who will give me more money?”
It’s:
“Can this business realistically sustain its current debt—and what has to change?”
We review the existing debt structure, cash-flow burden and overall financial condition before determining whether consolidation, refinancing, restructuring, conventional financing, asset-based financing or another capital strategy should be pursued.
Sometimes the answer is financing.
Sometimes the business needs work before financing makes sense.
You need to know the difference.
BEEN DECLINED FOR FUNDING?
A decline is telling you something.
Applying to more lenders without understanding why you’re being declined can waste time and potentially leave you with fewer attractive options.
AD2 helps identify issues affecting financing readiness and determine what may need to be corrected, strengthened or better presented before pursuing capital again.
We have access to hundreds of potential capital sources.
But access to lenders has little value if the business isn’t ready for the capital you’re pursuing.
WE DIDN’T CREATE THE PROBLEM.
But we may be your best chance at getting out of it.
AD2 Consulting is not another company promising an approval.
We are engaged to do the professional work required to evaluate your financial position, organize and analyze the information, identify problems affecting financing readiness, and develop a more informed capital strategy.
That work requires professional time, financial analysis, document review and advisory resources.
If there was ever a time to invest in professional guidance for your business, it’s before the next decline, the next cash-flow emergency, or the next MCA payment.
START YOUR BUSINESS FINANCIAL REVIEW.
Stop guessing. Let’s determine what the numbers are actually telling us.
Step 1 — Engage AD2 Consulting
Complete your engagement and initial business information.
Step 2 — Submit Financial Information
We’ll identify the financial and business documentation needed for your review.
Step 3 — Financial & Financing Readiness Review
AD2 evaluates the information provided, existing debt, cash flow, credit, collateral and other relevant financial factors.
Step 4 — Determine the Path Forward
We identify issues requiring attention and evaluate realistic business and commercial capital alternatives when appropriate.
GOT QUESTIONS? REVIEW OUR FREQUENTLY ASKED QUESTIONS.
Do you guarantee capital?
No. We are advisory-only. We diagnose and strengthen your profile, so approvals become more likely.
Are you acting as a lender or broker?
No. For this engagement we do not act as a lender, broker-dealer, or financial institution.
Will you tell me what capital options fit me?
Yes—based on your file, we’ll identify the most realistic capital paths.
How fast is the turnaround?
Typically 5–7 business days after complete document intake.
Stop Managing Capital Internally. Let Us Take Over.
Schedule a Capital Strategy Session and see how your business should actually be funded.
IMPORTANT
AD2 Consulting provides Business and Commercial Financial Consulting and Capital Advisory Services. AD2 does not guarantee financing approval, loan amounts, rates, terms, closing dates or funding. Financing decisions are made independently by third-party capital sources.
Fees paid for consulting and advisory services compensate AD2 for professional services performed and are not contingent upon approval, closing or funding of a financing transaction.