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This is not consulting. This is not coaching. This is a financial professional showing you exactly where you stand and what to do next.
You've built something real. Revenue is moving. The business is operating. But right now there's something in front of you — a growth opportunity, a capital decision, a deal on the table, a scaling challenge, a question about your numbers — and you need someone in your corner who understands how the money actually works.
Not your CPA. Not your attorney. Not your business partner. Someone who's spent more than 20 years as a direct lender, underwriter, financing facilitator, and M&A advisor — someone who's sat on the approval side of the table and decided which deals get funded, which businesses are bankable, and which growth strategies are built on real numbers versus wishful thinking.
That's what I do. And this engagement puts that experience to work on your specific situation.
Here's how it works. We get on the phone for 30 minutes. You tell me where you are and where you're trying to go. I ask the questions that get to the financial reality underneath — the ones your current advisors aren't asking. Then I take everything from that conversation, apply two decades of financial experience, and build you a written plan that's specific to your business, your numbers, and your next move.
Who This Is For
This is a paid engagement for business owners who are making moves — or about to — and want a financial professional involved before they commit.
You're ready to scale and want to understand the smartest way to finance the next stage of growth without overextending your business or giving up leverage you'll need later.
There's an acquisition on the table — a competitor, a complementary business, a bolt-on opportunity — and you want someone who's analyzed thousands of deals to give you a first read on whether the numbers actually work.
Revenue is strong but cash never seems to match. You want someone who can look at your financials and tell you exactly where the gap is and how to fix it.
You're planning an expansion — second location, new market, major equipment investment, team buildout — and you want the financial case evaluated before you commit the capital.
You've been turned down by a bank and nobody gave you a real answer. You want to know exactly what a lender saw in your financials and what needs to change before you apply again.
You're three to five years from wanting to sell and you want to know what your business is worth today, what it could be worth, and what specific moves will close that gap.
You have a defined question about your business and you want a straight, experienced answer from someone who doesn't have a stake in what you decide.
If you're generating $600K or more in annual revenue and you're building toward something that matters — this was built for you.
What Happens on the Call
You bring the situation — whether that's an opportunity you're chasing or a problem you're solving. I bring the financial judgment.
The 30 minutes are yours. You tell me where the business is today, where you want it to go, and what's standing between here and there. I listen carefully, then I ask the questions that get to the real financial picture — the opportunities you might be undervaluing, the risks you might not be seeing, the numbers that actually drive the decision.
My job on this call is to cut through the noise and identify what matters financially. I'll give you direct guidance where I can in the moment. But the deeper work happens after we hang up — when I sit down with everything you told me and build your plan.
What You Receive After the Call
Within 5 business days, I deliver your Personalized Strategic Action Plan — a written document that takes everything from our conversation and translates it into clear, actionable financial guidance.
This is not a summary of what we talked about. This is the product of me applying 20+ years of deal analysis, lending experience, and financial pattern recognition to your specific situation.
Your plan will include:
An honest assessment of where your business stands financially — what's working, what's exposed, and what's positioned for growth
Strategic recommendations specific to your situation, built on what I've seen work and fail across thousands of businesses in your revenue range
Prioritized action steps — what to do first, what to do next, and what to stop doing immediately
Growth opportunities I've identified based on your financials and your market position
Financial risks that may not be visible from inside the business — and how to manage or eliminate them
Financing considerations if capital is part of the picture — what's realistic, what structure makes sense, how a lender would evaluate your situation, and what to avoid
A clear decision framework — the specific numbers and conditions that support moving forward, and the ones that say wait
Every word in this plan is written for your business. Not adapted from a template. Not generated from a checklist. Built from the ground up based on what you told me and what I know from two decades of doing this work.
Why This Matters Financially
Every business owner reaches a point where the next decision isn't a small one. It's the expansion that changes the trajectory. The acquisition that doubles revenue. The capital structure that either fuels the next five years or quietly limits them.
These decisions get made one of two ways. Either you move based on instinct, opportunity, and the input of people who don't evaluate risk and capital for a living — or you get a clear financial read from someone who does, before you commit.
I've spent 20+ years watching both play out. I've seen owners deploy capital strategically and build companies that created real wealth. I've also seen owners make commitments based on strong revenue and good intentions that didn't survive 12 months of financial reality — not because they were bad operators, but because nobody analyzed the numbers before the commitment was made.
$500 gets you a 30-minute call and a written plan you can act on. That's less than what most business owners spend on a decision they later wish they'd thought through more carefully. And it's a fraction of what your attorney or CPA charges — neither of whom evaluates your business the way a lender, underwriter, and deal analyst would.
What This Is Not
This is not ongoing consulting. It's one call and one written deliverable. If you need deeper analysis after receiving your plan, I offer additional services — but this engagement is self-contained.
This is not coaching. I'm not here to help you set goals or build a vision board. I'm here to analyze your financial situation and tell you what I'd do if my name were on the bank account.
This is not a free advisory conversation repackaged. There are no pre-call emails, no "quick questions" before we start, no follow-up threads after delivery. The plan is the deliverable. It's complete when you receive it.
Engagement Terms
Payment of $500 is required before the call is scheduled. No exceptions.
The engagement includes one 30-minute call and one written Personalized Strategic Action Plan.
Your plan is delivered within 5 business days of the call.
Scope is limited to the challenge or opportunity discussed during the call. Multiple topics or expanded analysis require a separate engagement.
No informal follow-up. The written plan is the final deliverable.
All sales are final. You're paying for professional time and expertise, both of which are delivered in full.
How It Works
Step 1: Complete your payment on this page.
Step 2: You receive a confirmation email with a link to schedule your 30-minute call.
Step 3: We get on the phone. You tell me where you are and where you're going. I listen, ask the right questions, and give you direct guidance where I can.
Step 4: I take everything from our conversation and build your Personalized Strategic Action Plan.
Step 5: Your written plan is delivered to your email within 5 business days.
Who You're Working With
I'm Charles M. Barr. I've spent more than 20 years on the financial side of business — as a direct lender, underwriter, financing facilitator, and M&A advisor.
As the founder and CEO of LVRG Business Funding, I've facilitated over $1 billion in business financing and worked with more than 10,000 companies. I've approved deals, declined deals, structured acquisitions, and advised business owners through the decisions that defined the trajectory of their companies — manufacturers, contractors, healthcare operators, distributors, service businesses, and multi-location operators across every stage of growth.
I don't say that to impress you. I say it because when you get on the phone with me, I need you to understand that the person on the other end has spent two decades inside the financial reality of businesses like yours. I know what fuels growth. I know what kills it. And I know the specific moments where one clear financial read changed the entire outcome.
That's what this engagement exists to deliver.
Disclaimer: This engagement does not constitute legal advice, tax advice, accounting services, or a certified appraisal. The Personalized Strategic Action Plan reflects the professional judgment of the analyst based on information provided during the consultation and experience in commercial finance and underwriting. No guarantee of specific outcomes, loan approvals, or transaction results is made or implied. This is a single engagement — not an ongoing advisory relationship, retainer, or open-ended commitment. Payment is required before the call is scheduled. All sales are final.