Capital strategy, before the application.
This is funding readiness and lender preparation work. We assess where your business actually stands, prepare the file a lender will ask for, and identify realistic funding paths for your stage and revenue.
What this is.
Three areas of work, handled by the same firm that already knows your books and your filings.
Where the business stands today against what lenders look for — entity standing, filings, bookkeeping quality, bank activity and documentation gaps.
The documents, business profiles and record consistency a lender expects, organised into a single file you can present without scrambling.
Realistic funding paths matched to the business's stage and revenue, with a plan for what to strengthen before an application is worth making.
What the review checks.
Lenders decline business credit applications for documented, repeatable reasons — and most of them have nothing to do with revenue. They are verification failures a business can fix before it ever applies. The review works through eight checkpoints drawn from those reasons and rates the business on each one.
Legal name verifiable with the Secretary of State, entity in good standing, and an EIN that matches the filed legal name exactly.
A commercial address that does not come back as residential in USPS delivery data.
A dedicated business line rather than a cell or home number, and email on your own domain rather than free webmail.
A live business website that underwriting can actually find.
Presence in 411 directory assistance and the local listings lenders check, including Google, Yelp and Yellow Pages.
The legal name, address and phone matching across federal, state and local records and every listing that carries them.
A file established at Dun & Bradstreet, Experian Business and Equifax Business.
A scored profile with enough reporting tradelines and history to support the amount being sought.
What you get back. A rating on each checkpoint, an overall readiness picture, and a fix-first list ordered by what moves the needle most.
A rating describes readiness, not approval. It measures how your file presents against known decline reasons. It is not a prediction that any lender will approve you, and it is not a probability of funding.
If the business has no entity yet — operating as a sole proprietor or partnership — start with business formation.
Tell us where the business stands.
The more accurate the picture, the more useful the review. Nothing here is an application, and none of it is shared with a lender without your direction.
Consulting, not lending. Southeast Tax Services, LLC provides funding readiness and capital strategy consulting. We are not a lender, a loan broker, or a credit repair organisation, and we do not originate, underwrite, or fund credit of any kind.
No guaranteed outcome. We do not guarantee funding, approval, funding amounts, interest rates, repayment terms, credit or business credit scores, or any lender or vendor outcome. All lending decisions rest solely with third-party lenders and their own underwriting criteria.
Engagement scope, fees, and deliverables are set out in a written engagement agreement before work begins.