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Optimum Capital

Resources

Business financing resources

Practical guidance on how commercial financing is prepared, evaluated and documented — written for business owners rather than for lenders.

Resource categories

SBA Financing

How SBA programs work and what participating lenders expect.

1 guides

Business Plans & Projections

What belongs in a lender-ready plan and financial model.

2 guides

Financing Types

Comparing equipment, real estate, working capital and other structures.

3 guides

Getting Started

Preparation basics for owners approaching capital for the first time.

2 guides

SBA Financing

SBA Financing
Coming soon

SBA Loan Requirements: What Participating Lenders Look For

Eligibility basics, documentation, credit and equity expectations across the 7(a), 504 and Microloan programs.

Business Plans & Projections

Business Plans & Projections
Coming soon

Business Plan Requirements for Bank Financing

The sections a commercial lender actually reads, and the inconsistencies that trigger underwriting questions.

Business Plans & Projections
Coming soon

Financial Projections for a Loan: Building Assumptions That Hold Up

How to model revenue from capacity, document costs, and calculate debt service coverage before the lender does.

Financing Types

Financing Types
Coming soon

How to Finance a Franchise: A Preparation Guide

From the FDD and total project cost to the lender package a first-time franchisee needs to assemble.

Financing Types
Coming soon

Equipment Financing vs. Leasing: Choosing a Structure

Ownership, cash flow, end-of-term options and total cost — how to compare an equipment loan against a lease.

Financing Types
Coming soon

Commercial Real Estate Financing Basics for Business Owners

Owner-occupied versus investment property, appraisal and environmental steps, and realistic transaction timelines.

Getting Started

Getting Started
Coming soon

How Much Down Payment Is Needed for Business Financing?

Why equity injection matters, how requirements differ by transaction type, and what sources lenders accept.

Getting Started
Coming soon

Startup Financing: What a New Business Needs Before Applying

Plan, projections, equity injection and experience — the four things nearly every startup lender evaluates.

Not sure which guide applies to your situation?

Tell us what you are trying to finance and we will point you to the right preparation path — or tell you honestly if the timing is wrong.

OCS is an advisory firm. Financing is subject to third-party lender approval and program eligibility.