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Be ready before you ask for capital
Banks and investors fund preparation, not potential
It is hard to secure a bank loan, an SBA loan, or any form of debt without a solid business plan and a model that proves the path. Many business owners struggle to show where growth lives and how it converts into cash. HarborLight builds investor-ready models and materials for any stage. That can be an idea on paper or a complex company planning a large project.
What lenders and investors look for
Identify your stage. See your deliverables.
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Idea Validation
Viability scan, initial model, milestone plan, investor one-pager
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Small Business Growth
Three-statement financials, rebuilt model, SBA-style plan, 13-week cash flow, bank-ready package
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Scaling Business
multi-scenario forecast, capacity plan, capital allocation roadmap, lender presentation
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Major Project or Enterprise Initiative
Project finance model, ROI and sensitivity, funding mix analysis, board-ready memo
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