Did you know.. One of the primary qualifications banks use to qualify your business for a loan is your Debt Service Coverage Ratio (DSCR).

Find out what your DSCR is today using your business tax returns!

No credit checks required. We work for you, not the bank.

HABLAMOS ESPAÑOL

If the bank tells you NO,

we have the solution to get to YES!

How We Can Help

Our virtual services streamline the bank’s processes and save you time by providing you with advice from an experienced business banker, teaching you if you meet the bank’s minimum cash flow criteria, and helping you prepare a complete loan package so you can apply with confidence

Loan Qualification Assessment

  • Determine if you and your business have sufficient cash flow to support a new loan payment and learn how much you can qualify to borrow.
  • Recieve a report using the cash flow model most bank underwriters use to qualify the business.
  • Learn what steps you can take now to help you meet the minimum cash flow criteria.

Loan Readiness Package

  • Help with completing and/or reviewing the essential documents most banks require
  • Help organizing them into a centralized file to send to any bank for loan qualification
  • Receive a cover letter with everything the banker needs to know about your business for loan approval
business lending advocate credit report knowledge

Credit Report Knowledge

  • Gain access to your credit report history
  • Identify the key things that you can immediately do to help increase or repair your credit report
  • Learn what the credit reports are saying about you and how this affects your ability to borrow
  • Learn how to keep your credit report protected from fraud

Virtual Banker Advice Free

  • Answer 15 questions most bankers ask when assessing where your business is in the lending process
  • Automatically receive a report with advice from an experienced business banker
  • The report and advice are unique to your answers
  • Optional 25-minute phone consultation.  Schedule an appointment online.

Loan Qualification Assessment

  • Determine if you and your business have sufficient cash flow to support a new loan payment
  • Learn how much you can currently afford to borrow
  • Learn what steps you can take now to help you meet the minimum cash flow criteria

Loan Readiness Package

  • Help with completing and/or reviewing the essential documents most banks require
  • Help organizing them into a centralized file to send to any bank for loan qualification
  • Receive a cover letter with everything the banker needs to know about your business for loan approval
business lending advocate credit report knowledge

Credit Report Knowledge

  • Gain access to your credit report history
  • Identify the key things that you can immediately do to help increase or repair your credit report
  • Learn what the credit reports are saying about you and how this affects your ability to borrow
  • Learn how to keep your credit report protected from fraud

Virtual Banker Advice -Free

  • Answer 15 questions most bankers ask when assessing where your business is in the lending process
  • Automatically receive a report with advice from an experienced business banker
  • The report and advice are unique to your answers
  • Optional 25-minute phone consultation.  Schedule an appointment online.

Why We Exist

Rosantina Aranda
Founder and president of Business Lending Advocate

After working in banking for over 30 years, Rosantina realized there was a gap between bank business 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.

Why We Exist

Rosantina Aranda
Founder and president of Business Lending Advocate

After working in banking for over 30 years, Rosantina realized there was a gap between bank business 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.

Testimonials

Who we have helped

“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.”

Sincerely,
Timothy N. Ramon
President

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

Testimonials

Who we have helped

“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.”

Sincerely,
Timothy N. Ramon
President

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

Events

Upcoming events and virtual webinars. Register now to save your seat!

October 2022
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