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Scorecard 3.0 ™ Overview

The Scorecard 3.0™ is a consulting product offered by RBSL wherein we simulate the rating process banks use to determine the stability and worthiness of a business for various types of commercial financing.  We analyze the same reports, conduct the same searches, look for the same risk indicators, and give/take points on the same scoring model.  We show the current rating, potential rating, show what’s wrong and what’s right, estimate what a new, higher score rating could be (with a little work), and how much time and money would be needed to bring the rating up to that level.  We also give a current estimate of how much the business would qualify for (as is), and at approximately what interest rate.  Then we estimate what the business would qualify for, with the recommended changes, in total financing, and at what approximate interest rate. 

The Scorecard takes the mystery out of the process, reveals any contradictions between how you see the business, and how the bank sees the business, and allows the business owner to make an educated decision on which route to take to achieve their financing goals.  RBSL is the only company offering this educational and efficient process for business owners.  Why?

We want you to come back in the future, and we want you to tell your friends and associates about RBSL. 

Click Here to learn more about the Scorecard 3.0™


Scorecard 2.0™

As a business owner have you ever asked yourself any of these questions?

  1. What are the chances I get approved for financing?
  2. What does the bank look for when considering me for approval?
  3. Does this business banker really know what he’s doing?
  4. Is this really the right loan product to apply for?
  5. What do I need to work on before submitting my bank application?
  6. The bank turned me down; why?
  7. I was approved for a small amount at a terrible interest rate; why?

RBSL designed the Scorecard 3.0™ to answer these questions.  Our proprietary simulation service delivers a “rating” snapshot of your business.  It includes the following components:

  1.  Review and rating in each of the 17+ areas the bank underwriter will check when underwriting your loan application.
  2. Total cumulative rating blending all 17 categories.
  3. Estimate of how much money you would currently qualify for.
  4. Estimate of approximate interest rate you would currently qualify for.
  5. New higher rating possible with changes and improvements.
  6. Estimate of how much money you would qualify for after changes and improvements.
  7. Estimate of approximate interest rate you would qualify for after the changes and improvements.
  8. Estimate of how much time and cost associated with making the recommended changes.

    If you had the results of the Scorecard 3.0™ in your hand then there would be no mystery, no frustration, and plenty of information to make a decision that will meet your needs. 

With the Scorecard you can set your own expectations.  If your rating is low, and you decide to proceed with financing without making changes, at least you’ll know to expect poor approval amounts with a poor interest rate.  If you decide to make corrections, improve your rating, and then make application for financing, you can expect a quick process, high approval amounts, and a low interest rate.
 
You’re a business owner.  You have a successful business because you make good, educated, calculated decisions.  Commercial financing is not a component of your business’ success that you should cheat by not making good decisions like you always do. 

What are the costs of short-cutting the financing process?  Unmeasurable opportunity costs, loss of growth or expansion, and loss of potentially thousands of dollars in extra interest costs.  Lack of capital (undercapitalization) is the #1 reason businesses in America fail.

What are the benefits of doing things right regarding your financing?  Save thousands of dollars in interest, capitalize on new opportunities, expand your operations, or advertise to attract new, profitable revenues.