Secure Your Business Loan with Expert Cash Flow Analysis

Get a Detailed Financial Report to Strengthen Your Loan Application!

Understand your cash flow and improve your chances of securing a business loan. No strings attached. We work for YOU, not the bank.

If the bank tells you NO, we have the solution to get to YES!

How We Can Help:

At Business Lending Advocate, we’re committed to helping you secure the funding you need to achieve your business goals. With our expert cash flow analysis and loan brokering services, you can streamline the loan application process, increase your qualification potential, and get the funding you need to take your business to the next level.

business lending advocate loan qualification assessment

Quick Cash Flow Analysis

FREE 1-Year Business Cash Flow Analysis

  • Benefits: Understand your financial health quickly with a focus on DSCR and EBITDA.
  • Outcome: Receive a PDF report outlining your business’s cash flow status and estimated loan payments based on desired loan amounts.
business lending advocate loan readiness package

Comprehensive Cash Flow Analysis

In-Depth 2-Year Business and Personal Financial Analysis

  • Benefits:
    • Detailed insights into DSCR, DTI, and EBITDA.
    • Analysis comparable to bank-level standards.
    • Personalized recommendations for loan approval.
  • Outcome: Receive a comprehensive PDF report detailing your finances, estimated loan payments, and actionable steps to improve loan approval chances.
Business Lending Advocate SBA 7a loan

Loan Brokering Services

Complete Support for Your Loan Needs

  • Loan Packaging: Professional preparation of all necessary documents, including a compelling cover letter, to present your loan application in the best light to lenders.
  • Finding Loans: Customized assistance in finding the best loan options for your business.
  • SBA 7(a) Loans: We have SBA 7(a) lender partners to assist you if you choose to go down that route, providing expert guidance through the application process.
  • Includes Comprehensive Cash Flow Analysis

How to Apply for a Small Business Loan

  1. Decide on the Loan Type and Amount: Choose based on your needs and determine how much you need.
  2. Determine Eligibility: Check your credit score, time in business, and perform a cash flow analysis.
  3. Gather Documents: Prepare financial statements, tax returns, business plan, and legal documents.
  4. Find the Best Loan Option: Research and compare options from banks, online lenders, and SBA lenders.
  5. Submit Your Application: Apply online or in-person with your chosen lender. Include a compelling cover letter to explain your business and loan needs.
  6. Review and Negotiate: Evaluate offers and negotiate terms.
  7. Receive Funds: Once approved, follow your lender’s instructions to receive and manage your loan funds.


Where Business Lending Advocate (BLA) Helps

  • Steps 1 & 2: Our Comprehensive Cash Flow Analysis service provides a detailed calculation of your DSCR (Debt Service Coverage Ratio), a key metric banks use to evaluate businesses for loans, offering valuable insights into your financial health.
  • Steps 3, 4 & 5: Our Loan Brokering Services support you in gathering all necessary documents, finding the best loan options, preparing a professional loan package including a compelling cover letter, and submitting the application.

Testimonials: What Our Clients Say

“Rosantina and her team were AMAZING from start to finish. She heard my needs, took her time with me, and created custom solutions for my needs and was able to close the loans needed. I highly recommend her services to anyone needing help getting funded!”

Skylar Moon

President, Authorized Dealer at Boost Mobile

“Ms. Aranda’s breadth of knowledge, expertise, and genuine interest in the economic health and well-being of her clients makes her a true asset when navigating the complexities of the U.S. financial system. Her invaluable guidance has been instrumental in acquiring monetary assets used to support and grow my organization’s bottom line. Rosantina is uniquely qualified and driven to ”get the job done!” On a scale of 0 to 5 stars Mrs. Aranda, my Business Lending Advocate, gets 6!”

Gerald M. Gonzales, Attorney at Law Law Offices of Gerald M. Gonzales P.C.

“For the past thirteen years Rosantina Aranda served as my Business Banker where she provided the guidance and financial advisement I needed to achieve “next level” milestones. Her knowledge of the banking industry and professional demeanor is appreciated and respected.  Rosantina’s work ethic consistently produced timely actions and replies. The attention to detail and diligence she applied to our accounts demonstrates her sense of accountability and pride in her work.”

Timothy N. Ramon

JR Ramon & Sons

Ms. Aranda Really hit the ground running, she inspires me in knowing that there are still people out there helping small businesses succeed, her passion comes through in what she does.”

Teresa Garcia
ServSafe® Food Safety Instructor/Consultant and Corporate Trainer

Food Safety Direct

Business owners need to know what is needed when asking for a loan. They don’t know what they don’t know. Rosantina helps them prepare for the application to ensure they get the best offers on the kindest terms with the greatest chance for success. She is a valuable ally

Robert Stockhausen
Sales Executive
SWBC, Professional Employment Organization

With decades of experience in the banking business in San Antonio, TX Rosantina is the go-to person to get first-hand advice on how to best prepare your business to deal with banks.

Rafa Juarez
Creative Director –  DP Film Director – Web Architect
RJC Communications

Why We Exist

Rosantina Aranda
Founder of Business Lending Advocate

After working in banking for over 30 years, Rosantina realized there was a gap between bank lending and small businesses. She founded Business Lending Advocate to bridge this gap by educating the small business owner with lending knowledge.

My mission is to empower business owners with clear insights about how the bank is evaluating their businesses’ financial condition so they can apply with confidence.

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