Kiarash Goodarzi

I started Trust Financials because of a pattern I kept seeing. A business with real revenue, real customers and a real reason to borrow would get turned down, and the owner would be told something vague about risk appetite. When you read the file afterwards the reason was almost never the business. It was that nobody had written the request down properly, or the deal had gone to a lender whose mandate never covered it.

So the work here is unglamorous. Build the schedule of every existing facility, run the coverage on trailing numbers and then again on a bad year, search what is already registered, and write a request short enough that an adjudicator can price it without calling anyone. Then decide who should see it, and take it to three lenders rather than twelve.

The early answer is the part I would defend hardest. If the numbers do not hold, you hear it in week one, with the reason and with what would have to change. Nobody enjoys that call. It is still cheaper than six weeks of work and a decline you could have been told about on the first Tuesday.