Business funding advisor · US-wide
Solution-based financing. Built around your business.
We work the numbers, structure the deal, and match it with the right capital: bank loans, private capital, and creative structures from $500,000 up to $500 million.
The approach
Most funding starts with a product. Ours starts with your numbers.
Brendan McCoy owns an accounting business, so every deal starts with a careful read of the financials. Once we understand the problem, we structure the solution and take it to the right capital source: banks for straight deals, private capital and creative structures when the deal needs more.
The main options we use
Three ways we structure funding, matched to your deal.
Complex deals
Creative financing
Bridge, special situations, structured and mezzanine capital, and asset-based lending for deals that need structure.
Explore creative financingCash flow
Working capital
Bank term loans, lines of credit, and revenue-based funding for payroll, inventory, and gaps between invoices.
See working capital optionsProperty
Commercial real estate financing
Purchase, refinance, cash-out, bridge, and construction funding for business and investment property.
About real estate financingHow it works
Three steps. Nothing moves forward without your say.
Tell us the problem
A quick call or text about your business, what the money is for, and what is in the way.
We structure the solution
An accounting-led read of your numbers, then your deal goes directly to the funding sources that fit.
You pick the fit
You see real options and choose the one that works for you.
Why businesses choose us
Common questions
What kinds of deals do you take on?
Deals that need structure: time-sensitive closings, transitional properties, complex financials, and special situations, from $500,000 up to $500 million. If a plain bank loan fits, we will tell you that too. All funding is subject to lender approval.
How fast can I get business funding?
Some working capital options can fund in days; banks often take weeks. Timing depends on the product and the lender, so the fastest route is a short call about what you need.
What do I need to qualify?
Lenders usually look at your monthly revenue from recent business bank statements, how long you have been in business, and what the money is for. You do not always need property or perfect credit.
Are you a lender?
No. Atwater Consulting is a broker. We do not lend our own money and we never promise approvals. Every lender sets its own terms and makes its own decision.
Who will I work with?
Directly with Brendan McCoy. He also owns an accounting business, so your numbers get a careful, honest read before a lender ever sees them.