Services for small businesses & contractors

Practical help getting your business ready to pursue financing. You pay a clear fee for the work, never a percentage of any financing you obtain.

Packages

Readiness Assessment

Intake screening, document review and a 60-minute working session. You get a written Readiness Report: your score, the gaps and a 30/60/90-day action plan.

Starting at $350

90-Day Readiness Program

Hands-on monthly support. Days 1–30, diagnose. Days 31–60, organize and build. Days 61–90, a readiness review before you approach lenders on your own.

Starting at $1,500/month

Financing Readiness File

A complete, well-documented file: business narrative, sources and uses, and a full document checklist. You submit it yourself to any lender you choose. SBA files are billed hourly with documented time, per SBA fee rules and Form 159 disclosure.

Starting at $1,500

Other services quoted after a consult

Financial records cleanup & business credit setup · Business plan & projections · Cash flow management · Internal financials · Monthly financial reporting · Project budgeting & estimating · Proposal writing · Grant & bid monitoring · Capability statement & LinkedIn kit · Marketing & website development · Finance workshops

We may review your credit report with you only to explain how lenders generally read it. We do not dispute items, contact credit bureaus or creditors, or promise or attempt to improve any credit score or rating.

Signature offer: Lender's-Eye Review

See your file the way a loan committee will, before you apply. A former loan-committee decision-maker reviews your financing file and writes it up like a credit memo: strengths, weaknesses, likely lender questions and what to fix first.

Delivered in 5 business days once your documents are in.

From $950

This is a written consulting review, not a loan decision, approval or commitment. Only lenders make financing decisions.

For contractors & construction firms

Construction credit is its own world. I help contractors get their numbers in the shape bonding companies and lenders expect:

  • Bonding readiness and work-in-progress (WIP) schedules
  • Job costing and project budgets
  • Cash flow planning between draws
  • Readiness for contractor financing programs

Quoted after a consult

Founding Client Pilot

The first 5 businesses can join as founding clients at 25% off. In exchange, you agree to provide a written testimonial or case study, shared only with your permission. Space is limited; ask about it on your consult.

The 25% discount does not change the work or guarantee any financing outcome.

AI for Small Business

Ethical AI Adoption

An AI readiness review, a written acceptable-use policy, data privacy guardrails, and staff training on using AI responsibly, so your team gets the benefits without putting customer or financial data at risk.

Quoted after a consult

AI Agents for Small Business

Enterprise-grade practices, sized for a small team: we set up practical AI assistants for scheduling, follow-ups, document prep, and reporting, with human review built in at every step.

Quoted after a consult

AI tools can make mistakes, and results vary. We don't guarantee time savings or other outcomes, and you stay responsible for your business decisions and for reviewing what any AI tool produces. Policies and guardrails we help create are practical guidance, not legal advice; have your attorney review them for your legal obligations.

Capital raising readiness

Before you raise a dollar, make sure you're ready for the conversation. I help you prepare for the capital you're seeking, whether that's a bank or SBA loan, CDFI financing, grants, or outside investors. You choose and engage your funding sources; I make sure you show up prepared.

  • Capital stack strategy: debt vs. equity vs. grants vs. blended or CDFI financing, and what fits your stage
  • Investor-ready financials and projections that hold up to questions
  • Pitch deck and executive summary review
  • Use-of-funds plan: how much you need, what it's for and how it pays back
  • Data room and due diligence checklist, so documents are ready before anyone asks
  • Readiness check by funding type: SBA, CDFI or bank debt vs. angel or equity investors

Quoted after a consult

Book a free 20-minute consult

Coinfish Capital Advisors is not a broker-dealer and does not sell securities or solicit investors. We help you prepare; you choose and engage your funding sources. We don't introduce investors, and our fees never depend on capital raised.

Sample scenario

Sample scenario: illustrative only, not a real client or result.

Before: A Suffolk County contractor wants equipment financing. Books are two quarters behind, there is no debt schedule, and the request is larger than recent cash flow supports.

Work: A Readiness Assessment, then the 90-Day Program: catch up the books, build a debt schedule and 13-week cash view, resize the request, and write a short narrative with sources and uses.

After: An organized file the owner understands and submits to lenders of their choosing. Preparation improves the file; it does not guarantee any decision.

Results vary; many businesses need more than 90 days.

Book a consult   Take the Free Readiness Check

Financing decisions are made solely by lenders, and no outcome is guaranteed.