Commercial Loan Renewal

Your Annual Renewal Shouldn't Be a Crisis

We build the updated financial package your lender needs at renewal time — clean, current, and ready before the deadline.

Book a Free Consultation

Commercial loan renewals happen every year — but most borrowers treat them as a last-minute scramble. Outdated financials, missing schedules, and last-year's projections are the fastest way to complicate a renewal or trigger a rate increase. We make sure you show up prepared.

How It Works

1

Collect & Review

We gather your most recent financials, current loan terms, and any lender correspondence to understand exactly what the renewal requires.

2

Update Financials

We refresh your P&L, balance sheet, and cash flow to reflect the most recent completed year and current YTD performance.

3

Rebuild Projections

We update your 2–3 year forward projections with current assumptions, recalculate DSCR, and stress-test your debt service coverage.

4

Prepare the Package

We assemble a complete, lender-ready renewal package organized the way your underwriter expects to receive it.

5

Deliver & Prep You

We walk you through the package so you can speak to every number confidently when you sit down with your lender.

What's in the Renewal Package

  • Updated P&L — current year + prior 2 yearsActual results with year-over-year comparison and margin analysis.
  • Current Balance SheetUpdated assets, liabilities, and equity reflecting current loan balance and capital position.
  • Refreshed 2–3 Year ProjectionsForward P&L, balance sheet, and cash flow with documented assumptions.
  • DSCR RecalculationUpdated debt service coverage ratio using current NOI and loan terms.
  • KPI DashboardBreakeven, margins, current ratio, and any metrics your lender specifically tracks.
  • Executive SummaryA clean narrative covering business performance, loan use to date, and the case for renewal.
  • One Revision RoundAfter lender feedback, we revise at no additional cost.

Pricing

Standard renewal package$1,500
Complex / multi-property / franchise$2,500
Rush delivery (3–4 business days)+$500
Annual renewal subscription$1,200/yr

50% deposit to begin. Balance on delivery. Annual subscription clients receive priority scheduling and a 20% discount on all other services.

Don't Wait Until the Deadline

Start the renewal process 60–90 days out. Book a free call to scope your package.

Book a Free Call Email Us