Key takeaways
- Package business and personal financials to prove stability.
- Use the proceeds for milestones tied to growth.
- Coordinate with a CPA before closing to track tax impact.
Show your true cash flow
Provide two years of business and personal tax returns plus a year-to-date profit and loss statement.
Highlight add-backs like depreciation so underwriters see the real earning power behind the paperwork.
Deploy capital with intent
Tie every dollar to a milestone—equipment, marketing, key hires—so the ROI story is easy to defend.
Keep a cushion for quarterly taxes or seasonal dips to protect cash flow.
Plan the follow-up
Meet with your CPA before funding to confirm how the refinance affects deductions and filings.
Schedule a six-month review to document performance gains, making future financing easier.
Action plan
Gather financial statements, align with your CPA, and request a business-focused cash-out scenario.
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