Product Offering
Optimizer 3.0™ Overview
While Scorecard 2.0™ provides the results of our findings, Optimizer 3.0 ™ is the most comprehensive and educational analysis of how you and your business are viewed by a financial institution (specifically related to commercial, unsecured, stated income lines of credit or loans). One of our Senior Credit Analysts will be assigned to your file, and they will prepare your custom report, as well as review the results with you after its delivery to provide any coaching needed to complete the recommendations given. It will be divided into a variety of categories, and in each category our Senior Credit Analyst will organize the feedback as follows: (1) explain why and how the bank reviews data in the category, (2) where they look for the data, (3) what they want to see when they review the data, (4) what they see when they look at the data specific to you or your business, (5) the resulting difference (if any), and (6) specific instructions on how to legitimately improve, correct, or enhance your standing relative to each criterion.
Each outside report used to prepare the analysis will be attached to Optimizer 3.0™ as an addendum, so that as you review the specific information related to your profile, you can view the data behind the comments made. At the conclusion of the Optimizer, a Summary of Recommendations and Tasks List are provided. Each will contain specific instructions on what to work on to improve your rating.
What is the end result? When you submit your application to the bank for financing, the bank underwriter will go looking, and instead of seeing raw and oftentimes incorrect data, everything they check will be accurate. Your rating is near perfect, your approval is virtually guaranteed, and you will have be offered better loan terms than you otherwise would have received.
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Optimizer 3.0 ™
You’ve received the results of Scorecard 2.0™, you know how the bank considers your current qualifications, but you also know there are things that you could improve. You know that if you spend about three days, and fifty bucks, that you could fix all the things the bank is going to look at. Now what?
RBSL designed Optimizer™ as a small business consulting/coaching piece to accomplish the following:
- Give specific instructions and help to the business owner on how and where to fix things that are incorrect, erroneous, or absent.
- Hold the business owner’s hand throughout the process so that success is assured.
- Make sure the business’ rating is as high as possible prior to submitting bank applications.
- Explain to the business owner why the bank looks at each category.
- Explain to the business owner what specifically the bank wants to see when they look into each category.
- Provide coaching to the business owner on what to say, and what not to say.
- Provide contact information and/or loan applications from various recommended lending institutions or banks.
Every business is different. Every business and business owner has a different set of needs. The Senior Credit Analyst preparing your Optimizer™ report will work specifically with your goals in mind. Not only will they prepare Optimizer™, but they will serve as a coach throughout the process as they will have an incredibly intimate, complete view of you and your business.
What will Optimizer™ look like, and how will you receive it? Here are some details about Optimizer™:
- Immediately upon receipt of a complete file, a Business Analyst will pull a variety of reports, conduct a variety of searches, and assemble a file for your business.
- A Senior Credit Analyst will be assigned to your file, and they will review it to make sure they have all the information needed to begin. They will also review the notes entered into the back office system by your account manager (sales rep).
- Your Senior Credit Analyst will call you to have a brief conversation to make sure their perspective of your situation, goals, and interest is accurate.
- The Senior Credit Analyst will prepare your customized Optimizer™ report.
- You will receive an email with a link to the RBSL back office leading to your Optimizer™ (this is how you will access your Optimizer™ each time you reference it).
- Your Senior Credit Analyst will call you to go through Optimizer™ with you on the phone, answer questions, and help you get started with your to do list, as well as work with you throughout the process.
You’ve finished everything on the list? What’s next? Now it’s time to receive a little coaching on the bank application submission, fill out bank applications, and watch the loan approvals start rolling in.
For pricing options for Optimizer™ Click Here