Premium Business Funding Workshop

The Key to SBA Approval:
Proper Positioning

Led by Jennelle Brown

Prepare your business, credit, documents, and funding story before you apply.

Meet Your Funding Guide

About Jenn Brown

  • Co-founder and partner of Maximus Financial Group
  • Director of Funding and Commercial Lending
  • Business Credit & Funding Expert
  • Board-certified credit consultant
  • Author, entrepreneur, and real estate investor
  • Helps entrepreneurs become loan-ready, organized, and positioned for approval
The Funding Truth

SBA Funding Is Not Just About Applying

  • SBA loans are approved every day.
  • Most denials happen before the file is submitted.
  • Positioning matters more than most people realize.

Real Talk

Lenders do not fund confusion. They fund positioned businesses.

Question: Are you funding-ready or still gathering your pieces?

What SBA Lenders Really Look For

Credit

Personal and business credit must support the request.

Cash Flow

The numbers must show the ability to repay.

Documentation

The file must be complete, organized, and easy to review.

Experience

Lenders want confidence that the owner can execute.

Use of Funds

The request must be clear and realistic.

Repayment

The lender needs to see how the loan gets paid back.

What Is an SBA Loan?

  • The SBA helps reduce lender risk through a loan guarantee.
  • The lender still reviews and approves your full file.
  • SBA funding may support startup, expansion, equipment, working capital, real estate, or acquisition.

Who Qualifies?

  • Startup businesses with a strong plan
  • Existing businesses with revenue and records
  • Owners with strong or repairable credit
  • Businesses with clear structure and documentation
  • Applicants who can explain exactly how funds will be used

Maximus Insight

Qualification is not just what you have. It is how your file tells the story.

Credit Positioning Matters

  • Lenders review personal and business credit.
  • Credit should be reviewed before applying.
  • Utilization, payment history, debt load, and derogatory items matter.
  • A stronger credit profile creates stronger lender confidence.
Question: Have you checked your credit before applying?

Tax & Financial Readiness

  • Personal tax returns
  • Business tax returns, if applicable
  • Bank statements
  • Financial statements
  • Clean documentation that supports the funding request

Startup Funding

  • Startups may qualify when the file is strong.
  • Industry experience matters.
  • A quality business plan matters.
  • Realistic projections matter.
  • Personal credit and reserves matter.

Startup Reality

If you do not have years of revenue yet, your plan, experience, and financial story must be stronger.

Existing Business Funding

Revenue Review

What is coming in consistently?

Cash Flow Review

Can the business support repayment?

Growth Opportunity

Does the funding request support expansion?

Question: Startup or existing business?

Why Applications Get Declined

Incomplete files
Credit concerns
Weak documentation
Poor planning
Unclear use of funds
Lack of preparation
Let’s Talk About Success

What Happens When a Client Gets Properly Positioned?

Before Positioning

  • Unclear funding request
  • Credit concerns not addressed
  • Missing or outdated documents
  • No clear use-of-funds strategy

After Positioning

  • Clean, organized funding file
  • Credit profile reviewed
  • Business plan aligned with lender expectations
  • Stronger confidence moving forward
Client Success Story

MFG Client Success

Client Success Story

MFG Client Success

Client Success Story

From Uncertainty to Funding Confidence

Client Journey

  • Wanted SBA funding but was unsure where to begin.
  • Important documents were incomplete.
  • Credit profile had not been reviewed.
  • No clear funding strategy was in place.
Result:
The client became organized, lender-ready, and confident moving forward with a stronger funding file.
Question: What is the biggest thing holding you back from applying today?
Client Success Story

Preparation Creates Opportunity

What Changed?

  • Funding goals became clear and organized.
  • Documentation was prepared correctly.
  • Credit and financial positioning were reviewed.
  • The funding story became easier for lenders to understand.
"Positioning is often the difference between confusion and confidence."
Question: Are you applying for funding, or preparing for approval?

Building a Fundable File

1

Credit Optimization

2

Documentation Readiness

3

Business Structure

Question: Type READY if you want your file lender-ready.

The Funding Roadmap

Question: Where are you on the roadmap right now?

Common SBA Questions

How much can I qualify for?

What credit score is needed?

Can startups qualify?

Do I need collateral?

How long does the process take?

Question: What’s your biggest funding challenge?
Your Next Step

Ready to Get Positioned?

Before you apply for SBA funding, make sure your file, credit, documents, and business story are ready.

  • Funding Readiness Review
  • Credit & Document Check
  • Business Plan Support
  • Lender Match Strategy

Maximus Financial Group

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