RBSL Group is a B2B services provider offering a variety of diagnosis and optimization products to business owners seeking to polish their presentation to a financial institution prior to submitting an application for various types of commercial financing. Few business owners understand what a bank or lender wants to see and hear, nor do they know specifically which areas will be scrutinized by the lender or bank during the risk assessment process.
OUR PROCESS
Business owners seeking unsecured or secured business lines of credit, business loans, asset-backed loans, inventory financing, factoring, or equipment leases are best suited to work with RBSL Group to diagnose any problems, optimize (if necessary) their risk profile PRIOR to submitting applications to banks for most any type of commercial financing, and sign up for ongoing monitoring of the business credit profile to ensure your ability to receive financing in the future.
DIAGNOSE
By utilizing an inexpensive, proprietary diagnosis product called Scorecard 2.0™, RBSL simulates the risk rating process that a bank will conduct on a business prior to loan approval or denial. RBSL offers several Scorecard 3.0™ variations; banks consider varying criteria and use different channels to conduct due diligence on a business depending on which type of financing is requested. (click here to learn more about Scorecard 3.0™).
Scorecard 3.0™ reveals to the business owner what categories, reports, and data sets the bank will analyze, how the business ranks from a risk evaluation standpoint, and what items could be improved upon prior to submitting an application to a financial institution for loan approval.
OPTIMIZE
With a completed Scorecard 3.0™ in hand the business owner is empowered by facts, data, and understanding, which allows for successful strategic planning. Typically the business owner will be presented with several options, including proceeding with submitting a loan application for financing “as is.” Owners will be given a realistic assessment of their “bankability” and if necessary may be given the option to enhance certain aspects of their risk profile before submitting applications for financing.
To accomplish this, RBSL offers consulting or coaching services to help business owners prepare and submit applications and interact with bank or lender personnel. If you’ve been declined for financing before, you’ll know how difficult it can be to navigate the complex world of business finance. (click here to answer some automated multiple choice questions to see how prepared you are to interact with lending decision makers).
The most common package purchased by RBSL customers is Optimizer 3.0™ Report. The Optimizer 3.0™ is a thorough, custom, interactive, online report wherein the business owner is assisted in making corrections and improvements to their business profile so that they may be in a position to be approved for financing.. (click here to learn more about Optimizer 3.0™).
APPLY FOR FINANCING
Once a client is ready for financing, RBSL will provide a customized list of lenders who, based upon our experience, will likely fund you given your profile. We utilize state of the art technology, with real time interactive data, to allow you to apply, track, and monitor the loan application process. You will be completely informed of what actions are being taken, and given instructions on your role in the process. More information provided in the Client Gateway section of this website.
MONITORING
We provide you tools to constantly understand and know where you stand from a risk profile rating. As your business financing needs change with time, you’ll be in a position to apply for different types of financing. Armed with real-time data, you can always know your risk profile rating and how “bankable” you really are.