You'll describe your funding need, expansion, equipment, cash flow, real estate, and we'll outline which programs match your situation. We gather basic information: time in business, annual revenue, credit profile, and how you plan to use the capital. This call typically lasts 20 to 30 minutes and costs you nothing.
### Step Two: Document Collection & Review
We'll request recent financials, profit-and-loss statements, balance sheets, bank statements, and tax returns, then review them to identify any red flags lenders will scrutinize. If your debt-service coverage is borderline or your credit report shows recent late payments, we'll discuss strategies to strengthen your application before submission.
### Step Three: Lender Matching & Proposal Comparison
Steelhaven Funding submits your profile to lenders whose underwriting criteria align with your business. Within days, you'll receive term sheets showing loan amounts, repayment schedules, interest structures, origination fees, and closing costs. We'll sit down, either at our Billings office or via video, and compare each offer line by line, highlighting total cost of capital so you can make an informed choice.
### Step Four: Underwriting & Closing
Once you select an offer, we coordinate underwriting: appraisals, site visits, title searches, and any additional documentation the lender requires. We'll prepare you for the closing appointment, review the final settlement statement, and ensure every dollar is accounted for. After funding, you'll have a clear payment schedule and a direct contact at Steelhaven Funding for any questions.
