Business Financing Advisory and Access to Capital

What OCS does — and does not do

Optimum Capital Services is a business consulting and access-to-capital advisory firm. Our role is preparation, structuring and guidance: understanding your objective, assembling a credible package, and helping you engage the right type of capital source.

We do not approve loans, set rates or issue commitments. Those decisions belong to banks, lenders, lessors and program administrators. What we can influence is how clearly and completely your request is presented.

Financing scenarios we support

• Startups and newly formed businesses seeking first-time financing
• Established companies pursuing expansion or a new location
• Owner-occupied and investment commercial real estate purchases
• Equipment purchases and commercial equipment leasing
• Working capital and revolving lines of credit
• Accounts receivable factoring for cash-flow timing gaps
• Business acquisitions and partner buyouts
• Franchise unit financing, including first-time franchisees
• Short-term bridge financing while a permanent solution is arranged

How lenders evaluate a request

Most commercial credit decisions come down to a familiar set of questions: can the business service the debt, does the borrower have relevant experience, is there reasonable equity or collateral in the deal, and is the use of funds sensible?

Preparing for those questions in advance — with clean financials, documented assumptions and a coherent plan — is the single largest factor you control.

• Cash flow and debt service coverage, historical or projected
• Personal and business credit history
• Equity injection or down payment available
• Collateral and its realistic value
• Management experience in the industry
• Quality and consistency of the documentation package

Documents typically required for business financing

Requirements vary by lender and transaction, but an established business should generally expect to provide two to three years of business and personal tax returns, year-to-date financial statements, business bank statements, a debt schedule, ownership and entity documents, and a personal financial statement for each guarantor.

Startups, acquisitions and expansion projects usually add a business plan, three-year projections with written assumptions, a detailed sources-and-uses statement, résumés, contracts or leases, and evidence showing the source of the owner's equity contribution.

What DSCR means

Debt service coverage ratio, or DSCR, compares cash available for debt payments with the required principal and interest. A DSCR of 1.00 means cash flow only equals scheduled debt service; a figure above 1.00 indicates a cushion. Each lender defines acceptable cash flow and its required threshold under its own policy.

Working with OCS

Engagements typically start with a Funding Assessment: a structured review of your business, objective and readiness. From there we outline which channels are worth pursuing, what needs to be built, and the sequence of steps.

Founder Joe Maldonado brings more than 20 years of commercial transaction experience, including work in commercial banking, and reviews every engagement personally.