Banks will run your deal through a calculator. Make sure it passes.

Before a bank reads your story, it checks one number. If that number comes up short, your sale can stall, even when the business itself is good. That number is debt service coverage. Lenders commonly want cash flow to cover the new loan payments with a cushion, often around 1.25 times.

Miss it, and financing can be declined, or the price pushed down. It is rarely one big problem: messy books, and add-backs nobody can document. Vendor contracts nobody has reviewed in years. Payroll that drifted. Each one gives a buyer a reason to renegotiate, or a lender a reason to say no.

Here is the shift. Do not wait for a buyer to find these problems. Fix the operations and the financial story first, before you ever go to market.

So we start with a deep-dive diagnostic across eight areas of your business: vendors, balance sheets, payroll, and payment processing. Next come logistics, inventory, lease negotiations, and marketing. We look for what is leaking, and for what a lender will question when the deal gets real.

But we do not stop at a report. We also do small, hands-on overhauls inside your existing business, across all of those areas, not just on paper. We roll out AI inside your existing operations, aimed at documented improvements that support a higher pro forma EBITDA. Results vary, and we don't promise a number.

Then we document it. We build a pro forma EBITDA where every add-back ties to a source document, so a lender can trace each number back to where it came from. Achieved savings stay separate from projected ones. If one cannot be supported, it comes out. That is what holds up when a lender looks closely.

If your business is being sold now, we move fast. We recast the numbers, document the pro forma EBITDA, and have answers ready before the buyer's lender asks.

Thinking about selling in the next six to twenty-four months? That runway is an advantage. Use it to tidy the books, fix operating gaps, and roll out AI. Then build a trailing EBITDA story before you list, so you go to market stronger. We make no promises on price. You simply get a better-prepared business.

I'm Kae Mansour. I started and sold a bamboo T-shirt company, an import and wholesale business, and I opened a restaurant at twenty-three that I grew for about eleven years. I built a restaurant and a car wash from the ground up. I did development deals along the way, and I ran multiple gas stations for about twenty years.

I've signed the payroll, not just the slide, so I'll be straight with you. Nobody can guarantee a sale price, a valuation, a closing, or a loan approval, and we don't.

We help you get your numbers clear and defensible. Start with the free Deal Check, which shows how your numbers look against the lender test and where the gaps probably are. Then, if it makes sense, we talk through what you found, one conversation at a time. If it is not a fit, we will tell you plainly, so you know exactly where you stand.

So run the free Deal Check at createkae.com, then book a call. It starts with your own numbers and costs nothing to see where you stand.