The System
One assessment. Two ways forward.
Every file we take on starts the same way: an analysis that reads your financials the way lender credit teams read them, weighed against the approval patterns of the desks we have placed files with since 2010.
If you are fundable, we know where, and the file goes there. If you are not yet, you leave with a plan that names what blocks you and what changes it. Both answers move you forward. Only one of them is a pitch.
What Goes In, What Comes Out
It reads your file the way lenders read it.
Banks have capacity to lend; underwriting practice is what tightened. Files with vague asks and thin documentation get pushed aside quickly, and the owner hears a no that explains nothing. The assessment exists to run that read before any lender does, while the result can still be changed.
What we take in
What you get back
The Two Branches
Both answers have a next step.
Branch one: fundable now
Matched to the right desk, fast.
The file goes to the lenders whose approval patterns fit your profile, prepared in the shape their credit teams expect. When more than one desk fits, they compete, and competing offers move terms in your favour.
What does not happen: your file blasted across forty inboxes, your phone ringing with lenders you never chose. The file goes only where it fits. That is the entire point of reading it first.
Branch two: not fundable yet
A plan that names the blockers.
Most declines are structural and most structures can be fixed: months of clean books, a registration that should already exist, debt that needs restructuring before new debt fits, an ask that needs resizing.
The plan sequences that work with PMG’s accounting team and ours, with review points you can hold us to. This is paid advisory work, quoted before it starts. A no with a map costs you months. A no without one costs you years.
Why We Built It
Our economics force us to be honest with you.
On placement work, we get paid when your funding lands, and lenders pay us nothing. A file that cannot fund costs us months of unpaid work, which is why we built the discipline of reading every file before betting on it. That discipline is what you are buying: the same analysis that protects us now tells you exactly where you stand.
It also means the not-yet answer is real, not a brush-off. When the assessment says not yet, we are turning down our own payday and telling you why. The plan that follows is how the answer becomes yes on a timeline somebody wrote down.
The Process
How an assessment runs.
The Track Record Behind the Read
The read is only as good as the history under it.
History, not a promise. The assessment exists precisely because outcomes depend on the file.
Questions, answered
What owners ask about the assessment.
Is this software I log into?
No. It is how we work. You bring documents; we bring fifteen years of placement history and the analysis built on it. You never touch a dashboard, and nothing about your file is decided by a form. The system is ours to run and yours to benefit from.
What does the assessment cost?
It depends on the path, and you will know the number before we start. Placement work runs on a success fee: you pay us, mostly when funding lands, and lenders pay us nothing. Plan work, when the answer is not yet, is advisory: scoped and quoted up front. No surprise invoices in either branch.
I have already been declined twice. Is there a point?
Declines are the usual starting point, and they rarely come with reasons attached. The assessment attaches the reasons. Sometimes the answer is that the file was fine and the desk was wrong, which is a placement problem. Sometimes the file genuinely was not ready, which is a plan. Either way you stop guessing.
Will you shop my file to dozens of lenders?
No, and that is a design decision, not a limitation. Mass-blasting a file gets you calls, hard pulls, and the same generic terms everyone gets. We send the file to the desks whose patterns fit it, and nowhere else. Fewer submissions, better fit, no strangers with your statements.
What is actually in the forward plan?
The gap list with each blocker named, the fix for each, the order they get fixed in, who does the work (you, PMG, us), and the review points where we re-run the read. Timelines depend on the gaps: bookkeeping cleanup runs on months, structural fixes can run longer. The plan states its own schedule.
What happens to my information?
It stays inside the engagement. Your file goes to a lender only as part of an application you authorized, and to PMG only when the plan involves accounting work. We do not sell inquiries, trade lead lists, or pass your statements to anyone you have not approved.
Stop guessing where you stand.
One assessment, one verdict meeting, and a path in writing: matched to the desks that fit your file, or a sequenced plan that gets you there.
You pay us, mostly when funding lands. Lenders pay us nothing.