Get your business ready for the financing you want.
Xpansion helps established Broward County small businesses become lender-ready. We review your credit, cash flow, collateral and paperwork, fix what is holding you back, and point you to the right financing path.
- Advisory firm, not a lender. We never ask for an upfront fee to "secure" a loan.
- Fees are disclosed in writing before you agree to any paid service, and never depend on loan approval.
- You work directly with Denel, based in Broward County.
Check your readiness in two minutes
The five benchmarks Xpansion reviews first. No credit pull, no documents.
Self-reported and for planning only. Xpansion verifies everything with documents. This is not a lending decision.
From first question to lender-ready file
Watch the one-minute overview, or read the seven steps below.
Free readiness check
Answer five questions about your business. No Social Security or account numbers needed.
Share your documents
After your review is scheduled, documents are collected through a private client portal. Please never email financial documents.
Preliminary analysis
We review cash flow, credit, collateral and time in business. An advisor checks every result.
Consultation
We walk through your results one-on-one and answer your questions.
Action plan
Specific fixes with targets, usually on a 30, 60 and 90 day schedule.
Lender preparation
Your package is prepared for banks, CDFIs, SBA preparation or alternative capital.
Follow-up
We stay with you through the process and keep your file moving.
What happens next
The check is a starting point. Here is how Xpansion helps once you reach out.
- We reply and schedule a free call to understand your business and what you want to finance.
- You get a written proposal with the services and the fee before you agree to any paid work.
- If you go ahead, we review your documents, build an action plan, and prepare your file for the right financing path.
- If you are not ready yet, we show you what to fix, with targets, or refer you to free help that fits.
What Xpansion does
We prepare you for financing. Lenders make the credit decisions.
Loan readiness assessment
A full review of credit, cash flow, debt, collateral and documents against the same measures lenders use.
You get: a written readiness summary and a prioritized fix list.SBA preparation
We organize and strengthen your file before you approach an SBA lender, and flag program issues early.
You get: an organized package and a lender-question checklist.Line of credit and term loan preparation
The package a bank expects: financial statements, debt schedule, use of funds and cash flow coverage.
You get: a lender-ready package for conventional financing.CDFI and alternative capital connections
Introductions to community lenders and other sources that fit your situation once your file is ready.
You get: a short list of suitable channels and warm introductions.Where Xpansion fits
Free programs and lenders both play a role. Here is how they differ, so you can pick what suits you.
| Free advising programs | Going straight to a lender | Xpansion | |
|---|---|---|---|
| Cost | Free | No advisory fee | Free check and first call; paid services disclosed in writing first |
| Best for | Learning, business plans, workshops | Owners whose file is already complete | Established businesses that need their file built and fixed |
| Who prepares the file | You, with guidance | You | Xpansion, with you |
| Financing paths reviewed | General guidance | That lender's products | Bank, CDFI, SBA preparation and alternative capital |
| If you are not ready | Ongoing classes and counseling | Usually a decline | A plan with numeric targets, or a referral to free help |
Established businesses, ready to grow
These are Xpansion's own screening benchmarks, not rules set by any lender:
- At least 2 years in operation
- Credit score of 640 or higher for each owner with 20% or more
- Business cash flow of at least 1.20 times your debt payments (DSCR)
- Combined business and personal cash flow of at least 1.20 times (global DSCR)
- Collateral that covers the amount requested
Not at those levels yet? That is common. We build a plan with measurable targets, or refer you to credit counseling, business advising, accounting support or CDFI preparation programs that can help.
Industries outside our focus: adult entertainment, real estate businesses, tax preparation, insurance companies, businesses with highly volatile revenue, and businesses illegal under federal law, including cannabis.
Some industries, such as lending, gambling and speculative businesses, are not eligible for SBA programs. We can still review other options.
Referring a client?
CPAs, attorneys, business brokers, commercial bankers, fractional CFOs and other business professionals: we work alongside you, not around you. Your client gets financing preparation, and you stay their trusted advisor.
- We send you updates with your client's permission
- We never offer tax, legal or accounting services
- Clients who are not ready go back to you with a clear plan
What qualified clients receive
Once your readiness review confirms your business meets Xpansion's criteria, we share:
- Your advisor's direct contact details
- Your advisor's background and credentials
- Engagement pricing, in a written agreement, before you pay anything
How fees work
The readiness check and first call are free. Before you agree to any paid service, you receive a written agreement that lists the services and the fee.
- Fees never depend on whether a loan is approved or closes.
- We do not charge a fee to "guarantee" or "secure" financing. No one can.
- For SBA loans, our compensation is disclosed on the SBA's agent form (Form 159) when required.
- Pricing is shared in a written agreement once your readiness review confirms you meet our criteria.
Common questions
Are you a lender?
No. Xpansion is an advisory firm. We prepare your business and your file, and lenders make every credit decision.
Can you guarantee I will get financing?
No. No advisor can. Lenders, CDFIs and SBA lenders make their own decisions. Our job is to make your file as strong and complete as it can be.
Will the readiness check affect my credit?
No. The check asks five yes-or-no style questions. It does not pull credit or ask for documents.
How long does it take to get lender-ready?
It depends on what needs fixing. Some files are ready within weeks; others follow a 30, 60 and 90 day plan. You will get a timeline after your review.
How is Xpansion different from free advising programs?
Free programs are excellent for learning and planning, and we refer clients to them. Xpansion does hands-on file preparation for established businesses and reviews several financing paths at once.
What if I am not ready yet?
We tell you what to fix, with specific targets, or connect you with a credit counseling, accounting or CDFI preparation program that fits.
What documents will I need?
Usually two to three years of business tax returns, a year-to-date profit and loss statement and balance sheet, a debt schedule, and a personal financial statement for each owner with 20% or more. We send a checklist after your first call. Do not send documents through this website.
How do you handle my information?
We use what you share only to respond to you and prepare your file. We do not sell it, and we share it with a lender only with your permission. This website never asks for Social Security, tax ID or bank account numbers. Documents will be collected only through a private client portal, which opens after independent security testing [add launch date]. Until then, please do not email financial documents.
Book your readiness review
Tell us a little about your business. We reply within [add reply time].
- Direct contact
- Shared once your readiness review confirms you meet our criteria. Use the form to start.
- Chat hours
- Monday to Friday, [add hours] Eastern Time
- Serving
- Fort Lauderdale and Broward County, Florida