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A focused, written financial analysis of one specific decision you're facing in your business — built from your actual financials by someone who's spent 20+ years as a lender, underwriter, and deal analyst. Whether you're expanding, deploying capital, or evaluating an opportunity, this brief tells you exactly what the numbers support before you commit. Includes a 20-minute follow-up call to walk through findings. $1,250.
This engagement is designed to evaluate the financial reality of one major decision before you commit capital, take on risk, or lock into a direction.
One decision. Your real numbers. A clear financial read from someone who's analyzed thousands of these.
You're not looking for a full strategic engagement. You don't need a consultant for six months. You have one specific thing in front of you — an expansion, a hire, an equipment investment, a lease, a refinance, an opportunity — and you need someone who evaluates deals and financials for a living to look at it and tell you whether the numbers actually work.
That's what this is. You send me the financials. You tell me the decision. I analyze it from the same perspective I've used for 20+ years sitting on the approval side of lending tables and M&A transactions — and I deliver a written brief that shows you exactly what the financial case looks like, where the risk is, and what the numbers say about whether to move forward.
No theory. No templates. No motivational frameworks. Just a clear financial read on the specific commitment in front of you.
Who This Is For
This is for the business owner who has a defined financial decision on the table and wants it analyzed by someone who does this for a living — before the capital is committed.
You're ready to open a second location and the opportunity looks strong — but you want to see the financial case built from your actual numbers, not the landlord's projections or your own optimism.
You're evaluating a major equipment purchase and you want to understand the real cost of ownership versus leasing, what it does to your cash position, and whether your revenue supports the commitment.
You're planning to hire a key employee or build out a team and you need to know the specific revenue increase required to justify the cost — not a rough guess, a real number based on your current financials.
Someone's put a refinance opportunity in front of you and it sounds like it saves money — but you want to know whether it actually improves your financial position or just restructures the same problem.
You're looking at a lease, a contract, or a capital commitment and you want someone who understands debt service, cash flow, and bankability to evaluate it before you sign.
You've identified a growth opportunity and you're ready to move — but you want the downside mapped clearly so you know exactly what you're exposed to if results come in below expectations.
If you're generating $600K or more in annual revenue and you're about to make a commitment that matters — this brief exists to make sure you see the full financial picture first.
What I Evaluate
This is a targeted analysis. I'm not reviewing your entire business — I'm analyzing one specific decision against your actual financial position.
The specific decision and its direct financial requirements — what it costs, what it demands, and what it assumes
Your current financial position based on your most recent tax return and financial statements
Cash flow impact under realistic conditions — not best-case projections, not worst-case fear, but what the numbers actually show
Break-even analysis — the specific revenue or margin improvement required to justify the investment
Downside exposure — what happens to your business if results come in 10%, 20%, or 30% below expectations
Financing requirements and likely terms if capital is needed to execute
How this decision affects your overall financial position, borrowing capacity, and future flexibility
What You Receive
Within 7 business days of receiving your documents, I deliver a Written Financial Brief — a clear, focused analysis of the specific decision you're evaluating, built entirely from your financials.
Your brief will include:
Financial impact summary — what this decision does to your cash flow, your margins, and your balance sheet under realistic conditions
Break-even or payback analysis — the specific numbers that need to be true for this investment to work
Downside scenario mapping — what your business looks like if results come in below plan, and at what point the decision becomes a problem instead of an opportunity
Growth case analysis — what the upside looks like when the decision performs as expected, and what it unlocks for the business going forward
Financing considerations if capital is part of the equation — what's available, what structure makes sense, and how a lender would view this specific commitment
A clear decision framework — the numbers that support yes, the numbers that support no, and the conditions that should change your answer
Every finding is specific to your business and your decision. You'll know exactly what the financial case looks like — the opportunity and the risk — before you commit.
A 20-minute follow-up call is included to walk through the findings and answer direct questions about the analysis.
Why This Matters Financially
There's a specific kind of mistake that costs business owners more money than almost anything else — and it's not the decision itself. It's the decision made without a financial analysis behind it.
The second location that looked like the obvious next step until it drained $8,000 a month in cash flow the business couldn't absorb. The equipment purchase that made perfect sense on paper until it consumed the borrowing capacity needed for a bigger opportunity six months later. The team buildout that was "necessary for growth" but required 40% more revenue than the business could realistically add in the first year.
None of those were bad ideas. They were good ideas executed without anyone running the real numbers first.
On the other side — the owners who do this well are the ones who already know the break-even before they sign the lease. Who already know their debt service capacity before they take on the loan. Who've already stress-tested the downside before they commit the capital. Those owners don't get lucky. They get informed.
$1,250 gets you that analysis — for one decision, from your actual numbers, by someone who's spent 20+ years analyzing exactly these kinds of commitments. That's less than most business owners spend cleaning up from a decision they made without one.
What This Is Not
This is not a comprehensive business review or strategic plan. It's a targeted financial analysis of one defined decision. If you need broader strategic guidance, the 30-Minute Strategy Call + Personalized Strategic Action Plan is the right starting point.
This is not ongoing advisory. It's a single engagement with a single written deliverable and one follow-up call. Additional decisions require a separate engagement.
This is not tax advice, legal review, or accounting services. I evaluate the financial logic of the decision — your CPA and attorney handle the rest.
Engagement Terms
Payment of $1,250 is required before any work begins.
You define the specific decision to be analyzed at the time of purchase. One decision per engagement.
You provide your most recent business tax return and financial statements through a secure intake form.
The deliverable is a Written Financial Brief plus one 20-minute follow-up call.
Your brief is delivered within 7 business days of receiving complete documents.
Scope is limited to the defined decision. Multiple decisions or expanded analysis require a separate engagement.
All sales are final. You're paying for professional financial analysis, which is delivered in full.
How It Works
Step 1: Complete your payment on this page.
Step 2: You receive a secure intake form. Describe the specific decision you're evaluating and upload your most recent business tax return and financial statements.
Step 3: I analyze the decision against your actual financials — cash flow impact, break-even, downside exposure, financing requirements, and bankability.
Step 4: Your Written Financial Brief is delivered to your email within 7 business days of receiving complete documents.
Step 5: We get on the phone for a 20-minute follow-up call to walk through the findings and answer your direct questions.
Who You're Working With
I'm Charles M. Barr, founder and CEO of LVRG Business Funding. I've spent 20+ years analyzing business decisions from the financial side — not as a consultant giving opinions, but as a lender, underwriter, and deal analyst determining which commitments are sound and which ones aren't.
I've evaluated thousands of businesses across manufacturing, construction, healthcare, professional services, distribution, and every major operator-driven industry. I've seen owners deploy capital brilliantly and build companies that generated real, lasting wealth. And I've seen owners make a single financial commitment without doing the analysis — and spend the next two years trying to recover.
The difference between those outcomes is almost never the quality of the idea. It's whether someone ran the numbers first.
That's what this brief delivers.
Disclaimer: This engagement does not constitute legal advice, tax advice, accounting services, or a certified appraisal. All analysis is based on documents and information provided by the client and reflects the professional judgment of the analyst based on 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 work begins. All sales are final.