BankerBoy

Service Catalog

A banker on your side — when decisions matter.

On-demand access to current and former commercial bankers. Get the perspective lenders use internally, document reviews that surface gaps before submission, and a right hand through lender conversations — before distress, during workout, or while preparing a new loan request.

Primary: On-demand banker access
Signature: Underwriting document review
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Subscription Tiers

What each Club tier includes

All tiers include self-service tools and community access. Higher tiers add faster banker response, scheduled calls, document review, and dedicated support.

Entitlement
Club Essentials
$29/mo
Club Professional
$79/mo
Club Advisory
$249/mo
Distress calculator suite (DSCR, runway, bankruptcy cost)✓✓✓
Workout & lender strategy frameworks✓✓✓
Premium content library✓✓✓
Community forum — members and bankers✓✓✓
Private async Q&A with a banker48-hour SLA24-hour SLASame-day SLA
Scheduled banker calls—1 × 30 min / monthUnlimited
Dedicated banker assigned to your file——✓
Underwriting document review—Light review — up to 5 docs / quarterFull review — unlimited docs / month
Lender call prep & post-call debrief—✓✓
Lender package preparation——Included (1 / quarter)
POA representation (banker contacts lender on your behalf)——Available — custom terms

Club Essentials

$29/mo

Self-service tools plus async banker Q&A.

SLA: 48-hour async response

Club Professional

$79/mo

Deeper access, scheduled calls, and quarterly document review.

SLA: 24-hour async response

Club Advisory

$249/mo

Dedicated banker, unlimited calls, monthly full underwriting review.

SLA: Same-day async response

On-Demand Advisory

Core subscription value — a banker in your corner when you need one.

  • Async Q&A

    Subscription
    Essentials: 48-hour SLAProfessional: 24-hour SLAAdvisory: Same-day SLA

    Private written questions answered by a seasoned banker — not a chatbot, not a forum post.

    Deliverable: Structured written guidance in your member portal

    Typical trigger: Lender requested updated financials; covenant concern; which workout option to pursue

  • Scheduled Banker Calls

    Subscription
    Professional: 1 × 30 min / monthAdvisory: Unlimited

    Video or phone sessions with an agenda sent in advance — for situations that need a real conversation.

    Deliverable: 30–60 minute session + follow-up notes

    Typical trigger: Multi-creditor negotiation; preparing for a lender meeting; complex capital structure

  • Same-Day Triage

    Subscription
    Advisory

    Urgent situation assessment when time matters — default notice, payroll crunch, imminent covenant breach.

    Deliverable: Priority queue placement + initial assessment same business day

    Typical trigger: Default notice received; lender froze line; payroll at risk

  • Dedicated Banker

    Subscription
    Advisory

    One assigned banker who knows your file, lender relationships, and history — not a rotating queue.

    Deliverable: Named banker + continuity across engagements

    Typical trigger: Ongoing workout; repeat financing needs; complex lender panel

  • Lender Call Prep

    Subscription
    ProfessionalAdvisory

    Talking points, document checklist, and role-play before you speak with your lender.

    Deliverable: Prep brief + do/don't say list

    Typical trigger: Forbearance request; modification pitch; annual review meeting

  • Post-Call Debrief

    Subscription
    ProfessionalAdvisory

    Banker reviews what happened in the lender conversation and defines concrete next steps.

    Deliverable: Written debrief + action plan

    Typical trigger: After any significant lender or creditor call

Underwriting Document Review

Signature deliverable — financial and non-financial documents reviewed the way a banker underwrites them.

Every review delivers

  • ✓Readiness score (0–100) with dimension breakdown
  • ✓Gap list — missing, weak, or inconsistent items
  • ✓Lender narrative — how a banker would present your file
  • ✓Priority action list before submission or negotiation
  • ✓Optional per-document banker notes

Financial documents reviewed

  • Business tax returns — Consistency, red flags, DSCR impact
  • Personal tax returns — Global cash flow, guarantor exposure
  • P&L / income statement — Trends, one-time items, narrative
  • Balance sheet — Liquidity, leverage, working capital
  • Cash flow statement / projection — Runway, debt service, assumption credibility
  • Bank statements — NSF patterns, deposits, undisclosed debt
  • AR / AP aging — Receivable quality, vendor stress
  • Debt schedule — Maturity wall, rate exposure, creditor priority
  • Rent roll (CRE) — NOI, vacancy, lease rollover
  • Personal financial statement — Global DSCR, contingent liabilities

Non-financial documents reviewed

  • Business plan / executive summary — Lender-readiness, narrative gaps
  • Org chart / ownership structure — Control, guarantor mapping
  • Major customer & vendor contracts — Concentration, covenant risk
  • Lease agreements — Term, assignment, landlord rights
  • UCC / lien search results — Priority, subordination needs
  • Insurance certificates — Collateral adequacy
  • Environmental reports (CRE) — Risk tier, likely lender conditions
  • Franchise / license agreements — Transferability
  • Litigation summary — Materiality, disclosure obligations
  • Existing loan documents & amendments — Actual covenants vs assumptions

  • Light Document Review

    Subscription
    Professional: Up to 5 docs / quarter+ Add-on

    Targeted review of up to five documents — ideal for a quick readiness check before lender submission.

    Deliverable: Readiness score + gap list + priority actions

    Typical trigger: Preparing a loan request; lender asked for specific updates

  • Full Underwriting Review

    Subscription
    Advisory: Unlimited docs / month+ Add-on

    Comprehensive review of all financial and non-financial documents relevant to your loan request or workout.

    Deliverable: Full deliverable package (see checklist below)

    Typical trigger: New loan application; major modification; SBA workout package

  • Readiness Score & Gap Analysis

    Subscription
    Professional: With light reviewAdvisory: With full review

    Quantified lender-readiness with dimension breakdown — know where your file is strong and where it fails banker scrutiny.

    Deliverable: 0–100 score + dimension breakdown + ordered fix list

  • Lender Narrative Draft

    Subscription
    Advisory: Included with full review+ Add-on

    One-page summary written the way a banker would present your situation to credit committee.

    Deliverable: Banker-voice narrative memo

Lender Package Preparation

Project-based assembly of the financial summary and narrative your lender expects.

  • Standard Lender Package

    Project
    Advisory: 1 / quarter included+ Add-on

    Organized financials, cash flow projection, situation narrative, and proposed resolution outline.

    Deliverable: Submission-ready lender package

  • SBA Package

    ProjectAdd-on

    SBA 7(a) or 504 framing — documentation framework, PFS support, offer-in-compromise structure.

    Deliverable: SBA-aligned submission package

  • Distressed / Urgent Package

    ProjectAdd-on

    High-urgency package for imminent default or active collection — five business day turnaround.

    Deliverable: Emergency forbearance letter + negotiation brief + full standard package

  • New Loan / Refinance Package

    ProjectAdd-on

    Proactive underwriting presentation for a new credit request — not just distress.

    Deliverable: Credit memo–style borrower presentation

Lender-Facing Representation

High-touch engagement when you need a banker speaking to your lenders directly.

  • POA Representation

    Retainer
    Advisory: Custom retainer+ Add-on

    BankerBoy holds limited power of attorney to communicate with lenders on your behalf — you focus on running the business.

    Deliverable: Banker-managed lender correspondence + status updates

  • Workout Negotiation Support

    Retainer
    Advisory+ Add-on

    Forbearance, modification, deed-in-lieu, offer in compromise — structured negotiation strategy and execution support.

    Deliverable: Negotiation playbook + term sheet review

  • Multi-Creditor Coordination

    Retainer
    Advisory+ Add-on

    Senior/sub debt, UCC priorities, inter-creditor agreements — when more than one lender is in play.

    Deliverable: Creditor matrix + coordination plan

Specialized Banker Expertise

As the subscriber base grows, BankerBoy adds bankers by specialty — matched to your situation.

  • SBA Lending

    Subscription
    Professional: Best availableAdvisory: Priority match

    Former SBA department leaders — 7(a), 504, workout, guaranty issues.

  • Commercial Real Estate

    Subscription
    Professional: Best availableAdvisory: Priority match

    CRE workouts, rent rolls, NOI stress, construction-to-perm transitions.

  • C&I / Asset-Based Lending

    Subscription
    Professional: Best availableAdvisory: Priority match

    Lines of credit, borrowing base, ABL field exams, covenant resets.

  • Industry Verticals

    Subscription
    Advisory: Priority match

    Healthcare, franchise, manufacturing — sector-specific underwriting norms.

Tools, Content & Community

Retention layer — self-service resources plus peer community between banker engagements.

  • Distress Calculators

    Self-service
    EssentialsProfessionalAdvisory

    DSCR, cash runway, bankruptcy cost — understand your numbers before anyone else does.

  • Workout Framework Library

    Self-service
    EssentialsProfessionalAdvisory

    Forbearance, modification, deed-in-lieu — options most attorneys won't mention because they're not billable.

  • Premium Content Library

    Self-service
    EssentialsProfessionalAdvisory

    Banker-written guides, templates, and case studies — tier-gated.

  • Member Community

    Community
    EssentialsProfessionalAdvisory

    Forum for members and bankers — peer proof, anonymized patterns, moderated.

  • Group Office Hours

    Community
    Professional: Coming soonAdvisory: Priority access

    Scheduled group Q&A sessions with bankers — planned as subscriber base scales.

Who answers

Banker supply — launch and scale

At launch

Charlie Miles is the founding banker — every Advisory and Professional engagement routes to Charlie until capacity limits require additional bankers.

As we scale

As subscriber volume grows, BankerBoy onboards vetted current and former commercial bankers by specialty. Members see available expertise; Advisory tier receives priority matching and dedicated assignment.

Advisory memberships are capacity-limited at launch to protect same-day SLA and dedicated-banker promises.

Add-ons

Beyond your tier — or without a subscription

  • Second Opinion Review

    One-time

    Independent banker assessment of your current situation and the options in front of you.

    From $350

    Learn more →

  • Full Underwriting Review

    One-time

    Complete document review for non-subscribers or above tier quota — readiness score, gap list, lender narrative.

    $500–$1,500 by complexity

    Learn more →

  • Lender Package Prep

    One-time

    Financial summary and narrative package that opens doors with your lender.

    $750–$2,500

    Learn more →

  • POA Representation

    Ongoing retainer

    BankerBoy handles lender contact on your behalf under limited power of attorney.

    Custom — contact us

    Learn more →

Ready for a banker in your corner?

Start with Club Essentials and upgrade when you need calls, document review, or dedicated support.

Join BankerBoy Club