Core Advisory Practices & Capital Programs
An integrated suite of certified valuation analytics, non-recourse corporate credit engineering, institutional lending facilities, and confidential exit brokerage engineered for Delaware enterprises.
Certified Delaware Business Valuations
Certified valuation analysts conducting balance sheet recasting, industry multiples analysis, and SDE determination for Delaware businesses.
Engagement Fee & Turnaround Specification
$4,995.00 Flat Fee
Standard delivery within 48 to 72 business hours upon receipt of all required historical documentation. Strictly non-refundable.
The Top 10 Triggers for Professional Valuation
- 1. Exit & M&A Strategy: Establishing baseline enterprise value prior to approaching buyers.
- 2. Bank Lending & SBA Senior Debt: Meeting SBA 7(a) and institutional lender collateral guidelines.
- 3. Partnership Buy-Ins & Disputes: Objective, certified fair market value for equity changes.
- 4. Estate & Family Succession: Multi-generational tax planning and wealth transfer.
- 5. Key-Person & Buy-Sell Insurance: Verifying adequate corporate life/disability coverage.
- 6. Competitor Acquisition: Establishing realistic target valuation and synergy modeling.
- 7. Marital Dissolution / Divorce: Defensible asset appraisals for judicial proceedings.
- 8. IRC Section 1060 / 338 Allocations: Post-deal asset tax categorization.
- 9. Executive Stock Options: Establishing strike price for Phantom Stock / ESOPs.
- 10. GAAP Balance Sheet Audits: Fair value adjustments and goodwill accounting.
Required Documentation Checklist
To begin the 48–72 hour valuation process, compile the following records:
- Complete Profit & Loss Statements for prior 3 fiscal years
- Complete Balance Sheets for prior 3 fiscal years
- Filed Federal business tax returns for prior 3 fiscal years
- Current interim Year-to-Date (YTD) P&L and Balance Sheet
- Itemized capital asset, machinery & equipment schedule
- Corporate Debt Schedule with creditors, balances & terms
Non-Recourse Business Credit Building
Build up to $50,000+ in corporate credit lines tied strictly to your company EIN—without personal guarantees or SSN credit checks.
The Business Success Scan: 12 Key Underwriting Elements
Our proprietary corporate diagnostic analyzes the four pillars of corporate bankability:
1. Underwriting Compliance
Address verification via USPS database (overcoming 80% automated rejection on residential addresses), 411 directory listing, matching NAICS/SIC codes, and state entity status.
2. Bureau Tradelines (10+)
Establishing at least 10 reporting accounts with vendor Net-30 lines (Uline, Grainger, Quill) progressing to high-limit store cards with comparable credit matching loan goals.
3. 80+ PAYDEX Score
Optimizing Dun & Bradstreet PAYDEX (0–100), Experian Business CreditScore, and Equifax Commercial Risk scores to unlock automated tier-1 approvals.
4. Corporate Tradelines Progression
Graduating to $10K–$50K lines with Amazon, Walmart, Dell, Apple, Lowes, Home Depot, multi-card fuel fleets (Sunoco, Exxon, Shell), and commercial Visa/MasterCard.
Commercial Capital & Funding Facility Matrix
Arranging capital from $10,000 to over $5,000,000+ through institutional syndicates, SBA Preferred Lenders, CMBS conduits, and alternative funds.
| Funding Program | Target Facility Size | Terms & Rates | Minimum Underwriting Criteria |
|---|---|---|---|
| 0% Intro APR Cards | $50,000 – $250,000 | 0% APR for 6 to 18 months; then 5%–29% | 680+ personal FICO; <30% revolving utilization; no recent derogatory marks |
| Unsecured Term Loans | Up to $500,000 | 5 or 7-year terms; 9%–15% fixed APR | 680+ credit score across all 3 bureaus; 2 yrs tax returns ($50K+ income); no collateral |
| Revolving Draft Check Lines | Up to $250,000 (Low-Doc) | Revolving monthly checks; standard prime | 700+ FICO; 2+ years in business; $100K+ annual gross sales; 6 mos statements |
| Mid-Market Lines of Credit | $25,000 – $1,500,000 | 12 to 36-month terms; tax-deductible interest | Program A: 601+ Equifax, 2 yrs in biz, $17K/mo sales. Program B: 551+ Equifax, 1 mo in biz, $17K/mo sales |
| SBA 7(a) Working Capital | Up to $5,000,000 | 7–25 years fully amortizing; up to 90% advance | SBA Preferred Lender direct network; profitable tax history; veteran $2,500 packaging fee waived |
| SBA Owner-Occupied Real Estate | Up to $10,000,000 | Up to 25-year terms; up to 90% LTV | 51%+ owner occupancy; strong business cash flow; commercial real estate collateral |
| SBA Fast-Track ($350K) | Up to $350,000 ($100K expedited) | 72-hour fast approvals; minimal paperwork | 3 years business tax returns; SBSS score of 170+; clean personal credit history |
| MCA Debt Consolidation | $50,000 – $1,000,000 | 18 to 24 months; replaces daily debits | 2+ years in business; 600+ guarantor FICO; underlying profitability net of debt costs |
| Invoice Factoring & PO | Scalable based on AR/PO | Advances up to 90% within 24 hours | B2B commercial invoices with 30–90 day terms; based on customer creditworthiness |
| Equipment Leasing & Financing | $10,000 to Multi-Million | 24 to 72 months; $1 buyout or FMV leases | Commercial machinery, construction equipment, medical devices, transportation fleets |
| 401(k) ROBS Equity Financing | Up to 200% of plan balance | Tax-free, penalty-free equity injection | IRS-compliant rollover into operating C-Corporation; completed in 2 to 3 weeks |
| Commercial Mortgages (CMBS) | $75,000 to $1,000,000,000 | 55%–100% LTV; institutional syndicates | Multi-family, retail centers, industrial parks, hotels, self-storage, healthcare |
Business Brokerage, M&A Advisory & Value Builder
Guiding business owners through confidential equity transactions, asset sales, and strategic exit preparation.
The 8 Drivers of Company Value (Value Builder System™)
We implement the globally recognized Built to Sell methodology to systematically increase valuation multiples before taking a company to market:
- 1. Financial Performance: Verifiable, recast earnings history and margin stability.
- 2. Growth Potential: Scalable operations beyond owner involvement.
- 3. Switzerland Structure: Eliminating reliance on any single client, supplier, or key person.
- 4. Valuation Teeter-Totter: Cash flow velocity and working capital vitality.
- 5. Monopoly Control: Proprietary barriers to entry and regional pricing power.
- 6. Customer Satisfaction: Measurable retention, net promoter metrics, and repeat purchasing.
- 7. Hub & Spoke: Removing the founder as the operational hub of daily execution.
- 8. Recurring Cash Flow: Contractual subscriptions, service retainers, and annuity revenues.
Brokerage Tiers & Advisory Fees
10% of Gross Transaction Price payable strictly at escrow closing. Zero upfront listing fees.
$10,000 Upfront Retainer credited 100% toward the 5% buyer representation commission at settlement.
DIY Plan: $2,500/mo ($28,500/yr) · Elite Full-Service: $7,500/mo ($85,500/yr). Non-refundable retainers with 60-day cancellation notice.
Multi-Line Insurance Brokerage & Client Hub
Independent risk management licensed across Delaware, Maryland, Virginia, and Pennsylvania with career agents averaging 22+ years experience.
Commercial General Liability
Protection against third-party bodily injury, property damage, advertising liability, and legal defense costs.
Business Owner Policies (BOP)
Comprehensive package uniting property, casualty, equipment breakdown, and business interruption insurance.
Workers' Compensation
Statutory Delaware compliance protecting employees and shielding business owners from negligence liability.
Commercial Auto & Fleet
Coverage for service vans, transport trucks, and heavy commercial vehicles across DE, MD, VA & PA.
EZLynx Customer Service Portal
Access your policy declarations 24/7, download auto ID cards, request certificates of insurance, or report a claim.
AI Visibility Optimization & Payment Processing
Modernizing local discovery across ChatGPT, Google Gemini, and Apple Siri, paired with wholesale interchange payment terminals.
AI Visibility Basic
$49.00 / month
Or $470.40/year. 30-day AI visibility guarantee.
Basic schema push and AI taxonomy formatting ensuring your corporate profile appears in conversational LLM recommendations.
AI Visibility Growth
$109.00 / month
Or $1,046.40/year.
Expanded regional entity graphs, monthly profile refreshes, and structured Q&A knowledge base ingestion for voice engines.
TMS Payment Processing
Wholesale Rates
Month-to-month · Zero cancellation fees
Complimentary statement audit and placement of a free Ingenico Desk 3500 EMV/NFC smart terminal with next-day funding.
Start Your Capitalization or Exit Roadmap
Consult with senior Dover principals John Rowley and Kim Rowley on business valuations, commercial credit, or commercial borrowing.