Product Offering

RBSL offers four categorical types of products:

Risk Rating Product Suite -- the Risk Profile Report (RPR)™ is a scoring platform which simulates the risk rating process that a lender will use in determining whether or not to approve a business for a specific type of financing. The most popular Risk Profile Report (RPR) ™ version is related to the assessment of risk relative to unsecured, stated-income business line of credit financing. Each Scorecard is specific and customized to the type of financing in question. Each type of commercial lending carries a different set of underwriting criteria, thus the Scorecard must carry multiple versions.
Risk Profile Optimization Product Suite--Optimizer 3.0™ platform is a comprehensive interactive report which provides customized coaching and instruction to the business owner on how to legitimately improve or correct the items uncovered via the Risk Profile Report (RPR) ™ which need to be addressed. Some things cannot be changed, and others require a lot of time and hard work to change, but most items can be fixed relatively quickly by following the plan laid out in the Optimizer. . Like the Scorecard 3.0™, the Optimizer carries multiple versions as well. The most popular version outlines optimization relative to several tiers of financing, some easier to qualify for, others more difficult, with specific task lists for each type of financing (along with the necessary coaching to solve the problems).
Diagnosis Product Suite--different from Risk Profile Report (RPR) ™, the two Diagnosis products related to finance answer two fundamental questions that most business owners don’t ask, or that they don’t know how to find the answer to: (1) what type(s) of financing do I actually need, and (2) what types of financing do I actually qualify for. There are many types of commercial financing products available, but what type meets your needs and what type can you realistically qualify? Some business owners will say they need a $200,000 business line of credit, but after a thorough diagnosis process we find that while indeed they do need $200,000 in financing to satisfy their strategic goals, that only $75,000 should come in the form of a business line of credit, with the rest coming in other types of financing. A business owner who would be turned down for a $200,000 business line of credit may very well find that he/she can qualify for the $75,000, and get the remaining funding needed with more appropriate types of financing. The second Diagnosis product answers the question, “what types of financing do I actually qualify for?” It is a shame, but most “experts” that reside within the walls of any bank or lender do not actually know the answers to this question. The simplest demonstration of this fact is that 92% of business owners that apply for a stated, unsecured business line of credit are turned down , having only appl ied after a business banker represented to them that they th ought they can get the business approved. The third type of Diagnosis product offered by RBSL addresses other areas of the business system including Operational, Sales/Marketing, Business Plan, or Website needs.
Referral & Coaching Suite--it’s nearly impossible as a business owner to know which lenders are best to approach, which lenders are giving out good approvals, and what to say/do during the application process to qualify for an approval. QuickPass 2.0™ offered through the Client Gateway is designed for business owners who know what type of financing they want, but need a Scorecard to uncover any potential issues the bank might uncover, then need to know which bank(s) to apply with, and what to say/do to get approved. This service is meant for only the most sophisticated business owners who have a thorough understanding of business finance and lending. To learn more about the Client Gateway, click here.

Risk Profile Report (RPR) ™ and Optimizer 3.0™ products were developed over time, with countless dollars, staff time, and other company resources invested. Our experience in preparing thousands upon thousands of businesses to be approved for millions and millions in loan approvals, all over the country, has given us a know-how that is unequaled. We used our resources and experience to develop these two products for two categorical reasons: (1) to virtually guarantee your success in achieving financing, and (2) to reduce the acquisition cost of financing while optimizing your business at the same time. Our service fees will be paid for through the better terms you can secure and the time you save by learning these principles through painful trial and error.

CASE STUDY:

You are being told that a bank is going to lend your company $100,000.00 in cash, at an interest rate of prime plus one, only charge you interest each month, never call the note due, and they’ll do all this when you have personal credit scores in the mid to high six hundreds, no business credit, are a home based business, with only you as an employee, and only two years in business. What do they want from you for approval? Just a two page bank application, no taxes required, no documentation, no specific assets pledged to guarantee the loan, just your business’ good word, and your good word backing the business up.

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Doesn’t that sound perfect, incredible, awesome? That’s exactly what the banker (or perhaps another business finance consultant) will tell you with a wide smile. You look around and think, “ I have good credit, a good business, a great business plan, of course they’re going to approve me for this loan.” The next thing you know, a couple of weeks later, you get a letter in the mail from the bank telling you that you’ve been turned down. No specific reason for the denial is given, or one is given, but it is extremely vague. You call the banker and they tell you they can’t believe it, that they thought it was a slam dunk, but come back in 6 months and try again. No direction is given, no answers are given, you don’t have a chance to plead your case, and you feel insulted.

What went wrong? The answer is one of about 100 possible reasons, or a combination thereof. When the banker smiled at you, taking your application, did you really think the bank would give you $100,000.00 without looking at anything other than your two pages of “stated” information? Of course not. Your application went from the banker into an electronic system, and an underwriter somewhere (unknown to the local banker), went through a rating process to determine the risk associated with your application. The underwriter looked at you and your business inside and out, pulled a variety of reports (as many as 15), ran various financial calculations, and awarded you a “score” based on their findings. The bank didn’t tell you what they were going to look at, because they didn’t want to give you the opportunity to fix those things first. They wanted to see the “raw” and “uncensored” version of you and your business.

Depending on the score generated by the underwriter, you were turned down, approved for your requested amount, approved for less than your requested amount, approved at a higher interest rate, or some other disagreeable outcome.

What went wrong? Speaking categorically, here are some possible answers:

You said something wrong while talking to the banker.
You applied for the wrong loan product.
You didn’t qualify because of discrepancies between information on the application items compared with versus uncovered items .
The underwriter uncovered too much negative or shaky information.

What could you have done differently? Speaking to the same categories:

You could have received coaching from RBSL, so that you knew how to answer questions the right way, and managed your interaction appropriately (presented yourself correctly and legitimately).
You could have received the correct bank application directly from RBSL. This would prevent a bank “bait and switch” or simple ignorance on the part of the banker (an all to common occurrence with young and poorly paid and trained staff).
A simple review of your application by RBSL would have uncovered any mistakes made that would lead to immediate turndown.
A thorough review by RBSL of all the items the underwriter will look at when poking around in advance of bank application submission would have allowed the correction of any items that were “off”.

To learn more about Optimizer 3.0™ click here
To learn more about Risk Profile Report (RPR) ™ click here