Get the Business Funding You Need to Grow
Explore funding options built around your business goals. KLN Consulting helps you understand available paths, compare next steps, and move forward with a clearer strategy.
57+
Accounts approved
$100K+
Funding ready
9%
Utilization
1:1
Strategy focused
Funding Strategy
Build a clear plan before seeking capital.
Multiple Funding Options
Explore solutions aligned with your business needs.
Business Preparation
Get organized and ready before applying.
End-to-End Support
Navigate the funding process with expert guidance.
Talk Funding Strategy with Cece — 20 minutes, no pressure.
Pick a time below and let's map out your funding plan together. We'll discuss your business goals, review what lenders are looking for, and build a strategic approach to help you get positioned for the capital you need.
- Takes about 20–30 minutes
- Funding readiness review with no obligation
- Phone consultation, 20 minutes
- Spanish-language support available
Meet Cece
Your dedicated funding strategist
Access the Capital You Need to Grow With Confidence
Whether you're looking to manage cash flow, expand your operations, purchase equipment, or take your business to the next level, we help connect you with funding solutions designed around your business needs.
Our Funding Products
Working Capital
Get access to capital to cover day-to-day expenses, manage cash flow, and keep your business moving forward.
Business Lines of Credit
Enjoy flexible access to funds when you need them, with the ability to draw capital as business expenses arise.
Term Loans
Secure structured financing with predictable repayment terms for larger business investments and growth opportunities.
Equipment Financing
Finance the equipment your business needs without putting unnecessary strain on your working capital.
SBA Financing
Explore SBA-backed financing options designed to support qualified businesses with growth, expansion, and long-term investments.
Business Credit & Funding Strategy
Build a stronger foundation for business funding with guidance on business credit, lender readiness, and a strategic approach to accessing capital.
Your Business Has Goals. Your Funding Should Support Them.
Let's identify the right funding strategy for where your business is today and where you want it to go.
Let's Get Funded!Who We Help
Funding Solutions Built for Businesses Like Yours
Every industry has different challenges, expenses, and growth opportunities. We help businesses explore funding options that align with their goals, cash flow, and financing needs.
Construction & Contractors
Fund projects, payroll, materials, and equipment.
Trucking & Transportation
Support fleet expansion, repairs, fuel, and operating costs.
Restaurants & Hospitality
Finance renovations, equipment, inventory, and expansion.
Healthcare
Support equipment purchases, expansion, staffing, and operational needs.
Real Estate
Access capital for investments, renovations, acquisitions, and development.
E-Commerce & Retail
Fund inventory, marketing, technology, and business growth.
Manufacturing
Support equipment, production, inventory, and expansion.
Professional Services
Strengthen cash flow and invest in growing your operations.
And More
If you're building a business, we're here to help you explore your funding options.
Business Build-Out Programs
Choose Your Investment
Business Blueprint 360™
Complete Business Build-Out Program
Plus: 10% Success Fee Upon Successful Funding
Best For
Entrepreneurs who are starting a business or have started one but don't have the proper foundation, structure, systems, credit profile, or roadmap in place.
This isn't just business education. We help you build the foundation of your business step-by-step and leave you with an actual business, business plan, business-credit strategy, financial structure, and roadmap toward becoming funding-ready.
Phase 1Business Foundation
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We help establish your business foundation, including:
- Business structure consultation
- LLC formation guidance
- EIN guidance
- Business name review
- NAICS/SIC code selection guidance
- Business licensing checklist
- Business address guidance
- Professional business phone guidance
- Professional business email setup guidance
- Domain setup guidance
- Website-readiness checklist
- Business credibility checklist
- Business compliance review
- Business bank-account preparation
- Business information consistency audit
Client Deliverable: Complete Business Foundation Checklist
Phase 2Your Custom Business Plan
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We'll develop a customized business plan based on your business and goals. Includes:
- Executive summary
- Company description
- Mission statement
- Vision statement
- Products/services
- Target customer
- Market overview
- Competitive analysis
- Marketing strategy
- Sales strategy
- Operations plan
- Growth strategy
- Funding objectives
- Use-of-funds strategy
- Financial projections based on client-provided information
Client Deliverable: Professional Business Plan
Phase 3Brand & Business Presence
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We help make sure your company presents itself like a legitimate business.
- Brand positioning consultation
- Business description
- Professional company bio
- Target-customer profile
- Business messaging
- Website-content roadmap
- Social-media business setup checklist
- Google Business Profile guidance when applicable
- Professional email/business communication guidance
Client Deliverable: Business Brand & Credibility Checklist
Phase 4Business Financial Foundation
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Before funding comes financial organization. We'll help establish:
- Business banking strategy
- Business budgeting framework
- Revenue tracking system
- Expense tracking framework
- Cash-flow planning
- Bookkeeping-readiness checklist
- Financial document organization
- Profit-goal planning
- Business financial goals
Client Deliverable: Business Financial Organization Toolkit
Phase 5Business Credit Build-Out
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We'll create a personalized strategy for establishing business credit. Includes:
- Business credit profile assessment
- D&B guidance
- Experian Business guidance
- Equifax Business guidance
- Business-credit monitoring education
- Vendor-account roadmap
- Net-30 strategy
- Tradeline guidance
- Credit-tier progression
- Business credit utilization education
- Business-credit milestone tracking
Client Deliverable: Customized Business Credit Roadmap
Phase 6Personal Credit Funding Readiness
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We'll review the owner's personal-credit profile as it relates to potential business financing. Review includes:
- Credit scores
- Utilization
- Payment history
- Inquiries
- Account age
- Revolving accounts
- Derogatory information
- Overall funding readiness
If personal-credit improvement is needed, we'll identify what should be addressed before pursuing certain financing options.
Client Deliverable: Funding Readiness Assessment
Phase 7Funding Education
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We'll teach clients how business financing works before they start applying. Includes education on:
- Traditional lending
- Alternative lending
- Business credit cards
- Business lines of credit
- Term loans
- Working capital
- SBA-related financing where applicable
- Personal-guarantee vs. non-PG concepts
- General lender requirements
- Application sequencing
- Hard inquiries
- Funding documentation
Client Deliverable: Personalized Funding Preparation Roadmap
Phase 890-Day Business Roadmap
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The client leaves knowing exactly what to work on next.
- First 30 Days — Foundation + compliance
- Days 31–60 — Business credit + financial foundation
- Days 61–90 — Growth + funding preparation
Client Deliverable: Customized 30/60/90-Day Action Plan
BonusBonus Business Toolkit
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Client also receives:
- Business budget template
- Expense tracker
- Revenue tracker
- Business-document checklist
- Funding-document checklist
- Business-credit tracker
- Vendor tracker
- Monthly business review checklist
- Business goal-setting worksheet
- Funding-readiness checklist
SupportProgram Support
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- Client portal
- Onboarding strategy session
- Business assessment
- Progress tracking
- Scheduled strategy sessions
- Business-credit reviews
- Funding-readiness review
- Educational resources
- Program support
Business Growth & Credit Accelerator™
Business Credit • Bankability • Growth • Funding Readiness
Plus: 10% Success Fee Upon Successful Funding
Best For
Established business owners who already have an LLC/business foundation and want to strengthen their company, establish or improve business credit, become more financially organized, and prepare for future financing.
We're not starting over. We're identifying what's holding the business back and creating a strategy for its next level.
Phase 1Complete Business Audit
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We review the existing business from top to bottom. Includes:
- Business structure
- EIN
- NAICS/SIC
- Licensing
- Business address
- Business phone/email
- Website
- Business bank account
- Business credibility
- Business bureau profiles
- Business credit
- Financial organization
- Funding readiness
Client Deliverable: Business Health & Bankability Report
Phase 2Business Credit Audit & Strategy
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We evaluate where their business credit stands today. Includes:
- D&B review
- Experian Business review
- Equifax Business review
- Existing tradeline review
- Vendor-account review
- Business credit utilization
- Reporting-account assessment
- Business-credit weaknesses
- Business-credit opportunities
Then we create their next steps.
Client Deliverable: Customized Business Credit Growth Plan
Phase 3Business Credit Development
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Based on the client's current profile:
- Vendor strategy
- Net-30 strategy
- Tradeline guidance
- Tier progression
- Business credit monitoring
- Utilization strategy
- Credit profile optimization
- Milestone tracking
We're building on what they already have instead of unnecessarily restarting their profile.
Phase 4Business Financial Health
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We'll review the financial side of the company and help the owner understand what may need strengthening. Includes:
- Revenue review
- Business banking review
- Cash-flow review
- Expense organization
- Business budgeting
- Financial-document organization
- Bank-statement readiness
- Profitability goals
- Debt-obligation review
Client Deliverable: Business Financial Readiness Checklist
Phase 5Growth Business Plan
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Instead of a startup business plan, this client receives a plan focused on where the business is going next. Includes:
- Executive summary
- Current business overview
- Growth objectives
- Market positioning
- Revenue goals
- Marketing strategy
- Sales strategy
- Expansion strategy
- Capital needs
- Use-of-funds strategy
- Financial projections based on client-provided information
Client Deliverable: Business Growth & Funding Plan
Phase 6Funding Readiness
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We'll assess both the business and owner's profile. Includes:
- Personal-credit review
- Business-credit review
- Revenue
- Time in business
- Cash flow
- Bank statements when applicable
- Existing debt
- Utilization
- Inquiries
- Funding documentation
- Funding objectives
Client Deliverable: Funding Readiness Scorecard & Action Plan
Phase 7Lending Strategy
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Clients receive education around:
- Traditional lending
- Alternative lending
- Business credit cards
- Lines of credit
- Term loans
- Working-capital options
- SBA-related financing where applicable
- General lender requirements
- Personal guarantees
- Application sequencing
- Credit inquiries
- Funding documentation
We'll help the client understand what types of financing may align with their current profile and what they may need to improve first.
Phase 890-Day Growth Roadmap
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We'll create a customized plan covering:
- Business Credit
- Financial Health
- Bankability
- Revenue
- Funding Preparation
- Business Growth
Client Deliverable: Customized 30/60/90-Day Growth Plan
BonusBusiness Growth Toolkit
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- Business credit tracker
- Vendor tracker
- Funding-readiness checklist
- Funding-document checklist
- Revenue tracker
- Expense tracker
- Monthly financial review
- Business growth planner
- Funding-goal worksheet
SupportProgram Support
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- Client portal
- Initial business audit
- Strategy session
- Business-credit reviews
- Progress tracking
- Funding-readiness reviews
- Scheduled strategy sessions
- Educational resources
- Program support
Business Funding Launchpad™
Funding Readiness • Strategy • Application Support
Best For
Business owners who already have an established business and are ready to pursue business funding but need professional guidance with evaluating their foundation, preparing their funding profile, identifying potential funding options, and navigating the application process.
This is not a credit repair program and does not include credit repair services. Instead, we help you understand where your business currently stands, prepare for the funding process, develop a strategic approach, and provide support throughout the application process.
Phase 1Business Foundation & Funding Review
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Before pursuing funding, we start by reviewing the business to identify its current strengths, gaps, and overall readiness. We review:
- Business entity and structure
- EIN and business information
- Business age
- Business address
- Business phone and email
- Website and online presence
- NAICS/SIC classification
- Business licensing, when applicable
- Business bank account
- Business information consistency
- Current revenue
- Time in business
- Existing business debt
- Current business credit profile, when applicable
- Available financial documentation
We'll identify potential issues that should be addressed before moving forward with applications.
Client Deliverable: Business Foundation & Funding Readiness Assessment
Phase 2Personal Guarantor Readiness Review
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For financing options that may require a personal guarantee, we'll review the business owner's personal credit profile from a funding-readiness perspective only. Review may include:
- Credit scores
- Credit utilization
- Payment history
- Revolving credit accounts
- Account age
- Recent inquiries
- Derogatory information
- Existing debt obligations
- Overall credit profile
- Potential lender concerns
If we identify personal-credit issues that may affect funding eligibility, we'll explain what should be addressed before pursuing certain financing options. Credit repair is not included in this package.
Client Deliverable: Personal Funding Readiness Review
Phase 3Funding Document Preparation
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Once we understand the client's profile, we help organize the information and documentation that may be needed during the funding process. Depending on the funding option, this may include:
- Business formation documents
- EIN documentation
- Business bank statements
- Personal bank statements when applicable
- Identification documents
- Proof of business address
- Revenue documentation
- Profit & loss statements when applicable
- Tax returns when applicable
- Business licenses when applicable
- Existing debt information
- Use-of-funds information
- Additional lender-requested documentation
We'll also identify any missing documents before applications begin.
Client Deliverable: Customized Funding Document Checklist
Phase 4Personalized Funding Strategy
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Not every business should apply for the same type of financing. Based on the information reviewed, we'll develop a funding strategy aligned with the client's business profile and goals. The strategy may consider:
- Desired funding amount
- Intended use of funds
- Business revenue
- Time in business
- Personal credit profile
- Business credit profile
- Existing debt
- Available documentation
- Potential financing categories
- Application timing
- Application sequencing
Potential funding categories may include, when appropriate: business credit cards, business lines of credit, term loans, working capital, traditional bank financing, alternative business financing, SBA-related financing, and other applicable business funding options.
Client Deliverable: Personalized Business Funding Strategy
Phase 5Funding Application Preparation
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Once the client is ready to move forward, we help prepare for the application process. This phase may include:
- Reviewing application requirements
- Confirming documentation is ready
- Reviewing business information for consistency
- Preparing application information
- Identifying appropriate application sequence
- Helping prevent unnecessary or premature applications
- Reviewing potential lender requests
- Preparing the client for possible verification steps
Our goal is to help the client approach funding applications strategically rather than applying randomly.
Client Deliverable: Funding Application Action Plan
Phase 6Application Assistance & Support
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We'll provide guidance and assistance as the client moves through the funding application process. Support may include:
- Application guidance
- Application-status tracking
- Documentation support
- Responding to lender-document requests
- Helping the client understand lender communications
- Identifying additional information that may be required
- Guidance on appropriate next steps
- Application follow-up support
The client remains responsible for providing accurate information and completing any required lender verification, documentation, or agreements.
Client Deliverable: Funding Application Support & Tracking
Phase 7Funding Outcome & Next Steps
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When funding decisions are received, we'll help the client understand the outcome and determine appropriate next steps. If approved, we can review:
- Approved funding amount
- General financing terms
- Payment structure
- Intended use of funds
- Business cash-flow considerations
- Responsible use of business financing
- Potential next steps for building future funding capacity
If an application is not approved, we'll review the available feedback and identify potential areas the client may need to strengthen before pursuing another opportunity.
Client Deliverable: Post-Funding Strategy & Next-Step Plan
SupportProgram Support
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- Client onboarding
- Business funding assessment
- Funding-readiness review
- Personalized funding strategy
- Document-preparation guidance
- Application preparation
- Application support
- Funding progress tracking
- Scheduled strategy sessions as applicable
- Funding-related educational resources
- Client support throughout the process
Business Funding Launchpad™ does not include credit repair. If the initial assessment shows that personal credit, business credit, business structure, financial documentation, or other areas need significant improvement, we'll identify those areas and recommend appropriate next steps. Funding is not guaranteed — approval amounts, terms, rates, and eligibility are determined by third-party lenders and funding providers based on their individual underwriting requirements.
Real Results From Real Business Owners
★★★★★
$75,000 BUSINESS FUNDING“I needed working capital to keep up with growing demand, but I didn’t know which funding options made sense for my business. With KLN Consulting’s guidance, I was able to create a better funding strategy and secure $75,000 in business funding to support my next stage of growth.”
★★★★★
$50,000 BUSINESS FUNDING“After being turned down before, I realized I needed a better approach instead of submitting more applications. With the help of Cyerra White, I better understood what lenders were looking for and was able to secure $50,000 in funding for my e-commerce business.”
★★★★★
$120,000 BUSINESS CAPITAL“Expanding my construction company required additional capital, but I wasn’t sure where to start. Cece helped me prepare a funding strategy and navigate the process, resulting in $120,000 in approved business capital.”
★★★★★
$40,000 BUSINESS FINANCING“I wanted to invest in marketing, equipment, and growth but needed more financial flexibility. With KLN Consulting and Cyerra White’s support, I was able to explore my options, create a clear funding plan, and obtain $40,000 in business financing.”
Got Questions?
Frequently Asked Questions
01
What types of business funding do you offer?
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We help businesses explore a variety of funding solutions, including working capital, business lines of credit, term loans, equipment financing, SBA financing, and business credit strategies.
02
How do I know which funding option is right for my business?
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Every business is different. We look at factors such as your business goals, revenue, time in business, credit profile, and funding needs to help identify options that may be a good fit.
03
How much funding can my business qualify for?
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Funding amounts vary based on the lender, program, business financials, credit profile, revenue, and other qualification factors. We help you understand the options available based on your specific situation.
04
Can I qualify if my business is new?
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Potentially. Some funding programs have specific time-in-business and revenue requirements, while others may have different qualification criteria. We can help you determine which options may be available.
05
Do I need good personal or business credit?
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Credit requirements vary by funding product and lender. Strong credit can provide access to more options, but there may be solutions available for businesses with different credit profiles.
06
What can I use business funding for?
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Depending on the funding product, capital may be used for working capital, inventory, equipment, payroll, expansion, marketing, renovations, business acquisitions, and other qualified business expenses.
07
What information do I need to get started?
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Typically, you may need basic business information, ownership details, revenue information, bank statements, and credit-related information. The exact requirements depend on the funding option and lender.
Helping business owners access opportunities through business credit, funding readiness, and strategic guidance.
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