GrumpyCFO

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● For B2B Owners & Founders

Find Your Funding Gaps

Book Strategy Call

For Bankers:

Your Clients Need This Service

I help your business banking clients become more bankable without interfering with your relationship.

You Stay in Control
Your client remains your client. I work with them to prepare a professional financing package, then they present it to you. I never contact competing banks or interfere with your banking relationship.

I Make Your Job Easier
Instead of reviewing incomplete financials and vague business plans, you receive a comprehensive "Grumpy CFO^® Lender Package" with everything you need: detailed financial analysis, customer validation, strategic plan, and realistic projections.

Your Clients Become Lower Risk
My process reveals hidden problems before you approve financing. Better profit visibility, customer concentration analysis, and strategic clarity mean you're lending into a more transparent, lower-risk situation.

Complete Confidentiality
I sign NDAs. Your client's information stays confidential. If they choose not to proceed with financing, nothing is shared with you without their permission.

For Bankers:

Your Clients Need This Service

I help your business banking clients become more bankable without interfering with your relationship.

You Stay in Control
Your client remains your client. I work with them to prepare a professional financing package, then they present it to you. I never contact competing banks or interfere with your banking relationship.

I Make Your Job Easier
Instead of reviewing incomplete financials and vague business plans, you receive a comprehensive "Grumpy CFO^® Lender Package" with everything you need: detailed financial analysis, customer validation, strategic plan, and realistic projections.

Your Clients Become Lower Risk
My process reveals hidden problems before you approve financing. Better profit visibility, customer concentration analysis, and strategic clarity mean you're lending into a more transparent, lower-risk situation.

Complete Confidentiality
I sign NDAs. Your client's information stays confidential. If they choose not to proceed with financing, nothing is shared with you without their permission.

When to Refer a Client to Me

Client has been declined but you believe in their business
Client wants to borrow but their financials don't support it
Client is growing but lacks strategic clarity
Client has great revenue but poor profit visibility
Client needs a professional business plan and financial projections
You want a second opinion on a borderline lending decision

Banker FAQs

How do you protect my relationship with my client?

Your client remains your client. I never contact competing banks on their behalf unless they specifically request it and inform you first. My role is to help them prepare a professional package for YOU. I'm a resource that makes your job easier, not a competitor.

What if my client can't afford the Capital Confidence System™?

They can start with the BLAST Assessment for $7,500. This gives them (and you) visibility into their borrowing potential and what needs to be fixed. Many clients start with BLAST and upgrade to the Capital Confidence System™ once they see the opportunity.

How do you maintain confidentiality?

I sign NDAs with every client. I have CPA and CMC rules of professional conduct and client confidentiality. Their financial information stays confidential. If I discover something concerning during my analysis, I discuss it with them first. They decide what information is shared with you and when.

What if you find problems that make them unqualified for financing?

That's valuable information for both of us. Better to discover problems during my analysis than after you've spent time on a loan application. If they're truly not fundable, I'll be honest with them (and you, with their permission). I only get paid my success fee when financing is approved, so I'm incentivized to help them become truly bankable.

Do you help with the actual loan application?

I prepare everything they need to present to you professionally: business plan, financial projections, strategic narrative, and supporting documentation. But they submit the application to you directly or authorize me to do so. I can attend the presentation meeting if you and the client both want me there, but this is their application to their bank.

What's your success rate?

For qualified clients who complete the full Capital Confidence System™ process, over 90% receive financing approval. The key word is "qualified." I don't take on clients who aren't truly fundable. The BLAST Assessment helps me (and them) determine if pursuing financing makes sense.

How do I know you're credible?

Check my credentials: CPA, MBA, CMC, ICD.D. Review my 34+ year track record. See the testimonials. Look at my client results. I'm not a broker or intermediary. I'm a strategic CFO who happens to be very good at helping clients access growth capital.