Our Approach
Our Commercial Financing Process
Building the Right Path to Funding
Every financing opportunity begins with an objective. Frog Strategic Resource Consulting takes a strategy-first approach to the commercial financing process, looking at the business, transaction, financial position, challenges, and capital requirements behind the request.
Before determining what financing may fit, we work to understand what the client is trying to accomplish and what the opportunity may need to move forward. Our approach focuses on:
- Understanding the client’s objective
- Evaluating the financial picture
- Identifying potential transaction challenges
- Reviewing capital and structural requirements
- Determining what may need to be addressed before financing
Where the Process Begins
First, We Determine Whether We Can Help
Before developing a financing strategy, FSRC first works to understand the opportunity and determine whether our experience, services, and resources align with what the client needs.
01. Tell Us About Your Opportunity
Share the business, real estate, acquisition, development, financing, or capital need you are trying to address and what you hope to accomplish.
02. Preliminary Evaluation
FSRC reviews the initial information to understand the objective, financial position, transaction details, and potential challenges involved.
03. Meet With a Senior Consultant
Meet with a senior consultant to discuss your goals, timing, financial position, transaction needs, and what you are working to accomplish.
04. Determine How FSRC May Help
FSRC evaluates where strategic planning, transaction structuring, financial preparation, or capital advisory may provide meaningful value.
05. Define the Engagement
If there is a good fit, FSRC outlines the recommended scope, responsibilities, information needed, and next steps for moving forward.
Our Commercial Financing Process
Once We Understand the Opportunity, the Strategy Takes Shape
A commercial financing strategy should reflect the transaction itself. Once FSRC understands the client's objective, we begin evaluating what the opportunity needs before it is presented to a lender, investor, or other capital source.
Assess
Understand the business, property, project, financial position, objectives, challenges, and capital requirements behind the opportunity.
Strategize
Identify what may need attention and develop a financing and capital strategy that supports the client’s objectives and transaction needs.
Structure
Evaluate sources and uses, debt and equity, borrower contribution, seller financing, working capital, and other structural considerations.
Prepare
Strengthen the financial information, projections, business plans, documentation, and supporting materials needed for financing review.
Position
Determine how the opportunity should be presented and which financing or capital strategy may best support the transaction moving forward.
Execute
Coordinate key moving parts, respond to questions, and support the transaction as it progresses through the broader financing process.
Pre-Underwriting Perspective
We Look for What May Need Attention
A financing request can encounter problems when important questions are discovered too late. FSRC brings a pre-underwriting review perspective to the transaction to identify financial, structural, documentation, and underwriting concerns before formal review.
We look at the transaction from the perspective of what a lender or capital source may evaluate. Our review may focus on:
- Cash flow, debt service, and repayment capacity
- Transaction structure, debt, equity, and sources and uses
- Financial statements, projections, and supporting assumptions
- Borrower and sponsor strength, liquidity, and ownership
- Documentation readiness and supporting information
- Potential underwriting questions or areas of concern
Complex Opportunities Require Coordination
Bringing the Right Resources Into the Process
Some commercial financing transactions require expertise beyond financial analysis. Depending on the opportunity, FSRC may help coordinate the right professionals while keeping the broader transaction strategy and client objective in view.
Financial Expertise
Support financial reporting, cash flow analysis, projections, accounting information, and other financial considerations tied to the transaction.
Accounting Support
Help ensure the appropriate accounting expertise is involved when financial records, reporting, or transaction details require additional review.
Legal & Transaction Expertise
Coordinate appropriate guidance for ownership, agreements, entity structure, transaction documentation, and other legal considerations.
Underwriting Perspective
Bring underwriting knowledge into the conversation when financial strength, documentation, structure, or risk may require closer evaluation.
Construction Expertise
Connect the appropriate expertise for construction budgets, project costs, development requirements, and other project-related considerations.
Capital Resources
Help bring relevant financing and capital resources into the process when the broader transaction strategy calls for additional support.
Commercial Loan Preparation
Prepare the Opportunity Before It Is Presented
Once the financing strategy and transaction structure are clearer, the next step is making sure the opportunity is supported by the right information.
FSRC assists with commercial loan preparation and loan package development so lenders and capital sources can more clearly understand the transaction, financial picture, use of funds, and reasoning behind the request. Depending on the opportunity, preparation may include:
- Financial statements and supporting information
- Cash flow and debt service analysis
- Financial projections and assumptions
- Sources and uses
- Business plans and financial narratives
- Transaction and ownership information
- Supporting documentation
- Loan and capital package preparation
Strengthen the Financial Picture
Identify cash flow, financial performance, projections, or other financial considerations that may need additional attention.
Improve the Transaction Structure
Evaluate whether the debt, equity, borrower contribution, sources and uses, and other structural elements support the opportunity.
Prepare the Documentation
Organize financial information, supporting documents, business plans, projections, and other materials needed for review.
Refine the Capital Strategy
Consider whether the proposed financing structure and capital sources align with what the transaction actually requires.
Bring in the Right Expertise
Identify when financial, accounting, legal, underwriting, construction, or other professional resources may be appropriate.
Prepare for Review
Address important questions earlier so the transaction can move into underwriting or capital review with greater clarity and preparation.
The Goal
Better Prepared Before the Transaction Moves Forward
The FSRC commercial financing process helps identify potential issues before underwriting or capital review, bringing greater clarity to important financing decisions.
We Would Rather Build the Right Transaction Than Force the Wrong Financing.
Tell Us About Your Opportunity
Start With What You Are Trying to Accomplish
Tell us about your financing need, business acquisition, commercial real estate opportunity, development project, or capital challenge. Frog Strategic Resource Consulting will review the details and determine whether our commercial financing, transaction structuring, and capital advisory experience may be able to help.