Our Services
At Mayo Business Consulting, we help business owners navigate the financing process with confidence and clarity. With more than 25 years of experience in SBA and commercial lending, we understand what lenders look for and what it takes to prepare a strong, financeable business loan request.
Our services are designed to help entrepreneurs identify financing opportunities, strengthen their loan packages, understand lender requirements, and move through the lending process more efficiently. Whether you are starting a business, purchasing an existing business, expanding operations, acquiring commercial real estate, or seeking working capital, we provide experienced guidance tailored to your specific needs.
Our goal is simple: to help business owners become better prepared for financing and increase their chances of achieving their business and financial goals
SBA 7 (a) Loan Guidance
Mayo Business Consulting provides experienced guidance to small business owners seeking SBA 7(a) financing. With more than 25 years of SBA and commercial lending experience, we help business owners better understand the SBA lending process, evaluate financing options, prepare for lender discussions, and identify the information and documentation typically needed to support a strong loan application.
The SBA 7(a) loan program is SBA’s primary business financing program and can be used for a variety of purposes, including business acquisitions, real estate, working capital, equipment, debt refinancing, and other eligible business needs. SBA 7(a) loans can generally be available for amounts up to $5 million, subject to SBA and lender requirements.
Our guidance is designed to help you understand what lenders look for, organize your financial information, strengthen your loan presentation, and approach the financing process with greater confidence. We work with you to help identify potential challenges before you approach a lender and prepare a clear financing strategy based on your business goals.
Mayo Business Consulting does not make SBA loans or guarantee loan approval. SBA 7(a) loans are made by participating lenders, and final approval is determined by the lender based on SBA requirements and the borrower’s qualifications.
Mayo Business Consulting provides experienced guidance to business owners and buyers seeking to acquire an existing business. With more than 25 years of SBA and commercial lending experience, we help evaluate purchase price, cash flow, buyer equity, existing debt, working capital needs, and available financing options, including SBA 7(a) financing.
Depending on the transaction and use of proceeds, SBA 7(a) financing may offer repayment terms of up to 10 years.
Commercial Estate Financing
Mayo Business Consulting provides experienced guidance to business owners and investors seeking financing for commercial real estate purchases and refinancing. With more than 25 years of SBA and commercial lending experience, we help clients evaluate financing options based on the property, transaction structure, cash flow, borrower qualifications, and overall business objectives.
We can assist with financing for owner-occupied commercial properties, acquisitions, refinances, expansions, and other eligible commercial real estate needs. Our approach focuses on helping clients understand lender requirements, prepare a strong financing package, and identify an appropriate financing structure for their transaction.
Whether you are purchasing a property for your business, refinancing an existing commercial real estate loan, or expanding your operations, Mayo Business Consulting provides knowledgeable guidance throughout the financing process.
Working Capital Financing
Mayo Business Consulting provides experienced guidance to business owners seeking working capital financing to support day-to-day operations and business growth. Working capital financing can help businesses manage cash flow, cover operating expenses, purchase inventory, fund payroll, manage accounts receivable, and take advantage of new business opportunities.
We help business owners evaluate their working capital needs, understand available financing options, and prepare for discussions with lenders. Our guidance focuses on the business’s cash flow, financial condition, existing debt, and overall financing requirements to help identify an appropriate financing strategy.
With more than 25 years of SBA and commercial lending experience, Mayo Business Consulting helps business owners approach the financing process with greater clarity and confidence.
Loan Package Preparation
Mayo Business Consulting provides professional loan package preparation designed to help business owners present their financing requests clearly, accurately, and professionally to lenders. We help organize the key financial and business information lenders typically evaluate, including business plans, financial statements, tax returns, cash flow projections, debt obligations, use of funds, collateral information, and borrower equity contribution.
With more than 25 years of SBA and commercial lending experience, Mayo Business Consulting understands how lenders evaluate loan requests and what information is important to a strong financing presentation. We work with business owners to identify potential documentation gaps, organize supporting materials, and develop a comprehensive loan package that clearly communicates the purpose of the financing and the business's ability to repay.
Our goal is to help business owners approach lenders with a well-prepared, complete, and professional financing package that supports their loan request and improves the overall lending process.
SBA Loan Readiness & Prequalification
Mayo Business Consulting helps business owners prepare for the SBA lending process by evaluating their overall loan readiness and helping them understand what lenders are looking for before submitting a financing request. Our guidance focuses on key factors such as business financial performance, cash flow, credit history, existing debt, management experience, available equity, collateral, and the proposed use of loan proceeds.
We help organize and review the information typically needed for an SBA loan request, including business and personal financial information, tax returns, financial statements, debt schedules, ownership information, and supporting documentation. We also help assess whether the requested financing appears reasonable based on the business's financial capacity and the intended use of funds. SBA 7(a) eligibility generally requires an operating, for-profit U.S. small business that is creditworthy and demonstrates a reasonable ability to repay.
Our prequalification guidance is designed to identify potential strengths and weaknesses before a formal lender submission, helping clients address documentation or credit issues, establish realistic financing expectations, and present a more complete and organized loan package. While Mayo Business Consulting does not make the final credit decision, our goal is to help position each client for a more efficient and informed conversation with an SBA participating lender. Mayo Business Consulting brings more than 25 years of SBA and commercial lending experience to help business owners better understand the financing process, prepare appropriately, and approach lenders with greater confidence.
Business Expansion & Growth Financing
Mayo Business Consulting provides experienced guidance to business owners seeking financing to expand and grow their businesses. We help clients evaluate their financing needs and prepare a strong funding strategy for opportunities such as opening additional locations, purchasing equipment, increasing inventory, hiring employees, expanding operations, or strengthening working capital.
With more than 25 years of SBA and commercial lending experience, Mayo Business Consulting helps business owners understand available financing options, determine appropriate loan structures, and prepare the financial information and documentation lenders typically require. Our goal is to position your business for a successful financing process while supporting your long-term growth objectives.
Whether your business is ready to expand today or you are planning for future growth, Mayo Business Consulting can help you develop a clear and well-prepared financing strategy.