Business Loan Readiness
Build Financial Clarity and Confidence Before You Sit Down With a Lender
Where clean books, disciplined systems, and faithful stewardship come together to strengthen your business and open doors to capital.
Securing financing should be a strategic step—not a desperate scramble. Whether you’re pursuing an SBA loan, equipment financing, a working-capital line, or expansion capital, lenders want one thing above all else: clear, trustworthy numbers. We help Spokane business owners go into those conversations prepared, confident, and supported.
The Pain / Problem
It usually starts with a single moment—your lender asks for updated financials, and your stomach drops. The books aren’t current. Payroll filings are behind. Cash flow reports don’t tie out. You know the business is performing, but the numbers don’t reflect the story. And suddenly, everything feels fragile.
Many business owners in Spokane and North Idaho face this exact situation. You’re capable. You work hard. Your revenue is growing. But your financials tell a story full of gaps, inconsistencies, and unanswered questions. Lenders see these gaps as red flags, even when the underlying business is healthy.
It’s discouraging. You feel exposed, like you’re being judged for something you never had the time or training to fix. You worry the opportunity may slip through your fingers—not because the business lacks strength, but because the paperwork isn’t lender-ready.
And if you’ve already been turned down for financing, that wound stings even deeper. It’s one thing to hear “not yet.” It’s another to know it could have been avoided with the right preparation.
We understand that weight. And we’ve built a solution for it—one rooted in clarity, stewardship, and peace.
Testimonial:
“The Shepherd Financial Group team has treated us like family and provided timely and accurate accounting services. We highly recommend Shepherd Financial to anyone looking for world-class service with a personal touch.”
— Boris Borisov, Pacific Keep Church
The Shepherd Solution
At Shepherd Financial Group, we provide a comprehensive Business Loan Readiness service built specifically for Spokane-area business owners who need clean, reliable financials to secure capital.
We combine disciplined accounting systems with expert guidance so lenders can see the true strength of your business—not the confusion of outdated books.
Our approach is rooted in our five core values:
- Faithful Stewardship – We treat your financial picture as something entrusted to us.
- Teachable Spirit – We listen deeply to understand your operations, margins, and cash cycles.
- Humble Accountability – We identify issues honestly and fix them completely.
- Resourceful Resolve – We solve problems efficiently and creatively, especially when time is short.
- Diligent Service – We communicate proactively and prepare everything your lender will
expect.
We start by evaluating the condition of your books, schedules, payroll filings, reconciliations, and year-to-date reporting. From there, we rebuild what’s missing:
- Clean profit-and-loss and balance sheet reports
- Current, accurate cash-flow visibility
- Properly mapped payroll and tax filings
- Chart of accounts cleanup
- Debt schedules and reconciled liability balances
- Inventory accuracy (if applicable)
- Owner distributions and contributions properly categorized
- DSCR (debt-service coverage ratio) clarity
Then, we prepare your lender-ready package—organized, complete, and defensible.
The result is simple: lenders trust what they see.
And you finally feel peace instead of pressure.
A lender-ready financial system doesn’t just help you get approved—it strengthens your entire business. When your financials are clean, clear, and current, you gain:
- Confidence heading into every lender meeting
- Faster underwriting and fewer document requests
- Stronger negotiating power for rates and terms
- Protection against overlooked risk or errors
- Clarity for future decision-making, hiring, or expansion
- Credibility with banks, investors, and partners
Loan readiness is about more than winning approval. It’s about building a foundation worthy of the growth you’re pursuing.
Client Story
A Spokane business owner recently came to us frustrated after months of trying to secure financing. Their books were behind, payroll taxes weren’t filed correctly, and the CPA firm doing their bookkeeping couldn’t keep pace with the company’s growth. Every lender meeting felt like stepping into fog—no certainty, no confidence, and no clear story in the numbers.
Within weeks of onboarding, Shepherd Financial Group cleaned up months of backlogged transactions, rebuilt accurate financial statements, corrected payroll filings, and prepared a clear lender-ready package. The lender later said, “This is the first time your numbers make sense.”
The client secured the funding they needed within the month. But more importantly, they regained margin in their life and clarity in their business. What once felt like a dead end became a doorway.
Our Simple Process
1. Assess the Financial Landscape
We review your books, payroll, and tax status to understand what lenders will see and identify any issues blocking approval.
2. Restore Clarity Through Cleanup & Systems
We correct the records, rebuild the reports, and establish weekly and monthly accounting rhythms that keep everything current.
3. Prepare Your Lender-Ready Package
We assemble the financials, schedules, cash-flow picture, and narratives your lender needs—organized, accurate, and complete.
You walk in confident. Your lender receives clarity. And the entire process becomes peaceful instead of stressful.
Schedule your consultation today and take the next step toward becoming truly lender-ready.