Frank Business Solutions
BUSINESS FINANCING SECOND OPINION
Understand the offer before you sign it.
A fast approval can still be an expensive or restrictive decision. Frank helps business owners compare the real proceeds, payment burden, total cost, term, fees, prepayment language, and important contract provisions before committing.
Start with the short form. Frank will follow up to arrange a time to talk and explain how to share your offer.
Financing guidance is not legal, accounting, or tax advice. No financing outcome is guaranteed.
A second opinion built for business owners
You do not need another high-pressure sales pitch. You need a clear explanation of what the proposal requires from the business and what it may cost under the agreement.
Frank has worked in business financing since 2007. He reviews offers in plain language, points out meaningful tradeoffs, and tells you honestly when the structure does—or does not—appear to fit the business.
What Frank helps you compare
Money received
Gross approval, deductions, closing costs, broker or origination fees, existing payoffs, and the net amount deposited.
Payment burden
Payment amount, frequency, estimated term, cash-flow impact, and whether the obligation leaves enough room to operate.
Total cost
Interest, factor rate, purchased amount, fees, and the difference between headline pricing and total dollars repaid.
Contract terms
Prepayment treatment, collateral, personal guaranty, renewal provisions, reconciliation language, default triggers, and other material terms.
How the review works
1. Request a review
Use the short form to share your contact details and a brief note about the offer. Frank will follow up to arrange a time to talk and explain how to share the proposal or contract.
2. Compare the complete structure
Frank reviews the offer beyond the advertised rate or payment and identifies the provisions that most affect proceeds, flexibility, and risk.
3. Discuss the tradeoffs
You receive a straightforward explanation of what the offer means for the business and which questions should be answered before signing.
4. Decide without pressure
You choose whether to accept, decline, negotiate, or authorize Frank to explore another option. Your information is not sold as a marketing lead.
Documents that may help
- The proposal, term sheet, or contract
- Estimated current balances and payment schedules for an initial refinance review; formal payoff figures can be confirmed later if an offer is worth pursuing
- Recent business bank statements when affordability needs to be evaluated
- Any competing offer you want compared
- Your intended use of funds and preferred payment structure
For a practical way to compare proposals, use our business financing offer comparison checklist to organize net proceeds, payments, total cost, prepayment terms, guarantees and liens. Frank can walk through the details with you before you sign.
Already repaying a merchant cash advance and considering a replacement offer? Start with your estimated balance and current payment. Our guide to when an MCA refinance may make sense explains how to compare usable new cash, payment structure, total future cost and timing.
Frequently asked questions
What can Frank review?
Frank can help compare the amount you receive, total repayment or estimated cost, payment amount and frequency, term, fees, prepayment provisions, collateral, personal guaranty, renewal language, and other important business terms.
Do I have to move forward through Frank?
No. A second opinion is meant to help you understand the offer and make an informed decision. You are not obligated to accept financing through Frank Business Solutions.
Is this legal or tax advice?
No. Frank provides business-financing guidance and offer comparison, not legal, accounting, or tax advice. You should consult the appropriate licensed professional when those questions arise.
Can you compare two or more offers?
Yes. Frank can organize competing proposals around net proceeds, payment burden, total cost, term, fees, prepayment treatment, security requirements, and other material differences.
What should I send for an offer review?
Start with a short note about the offer. When Frank follows up, he can explain how to share the proposal, approval summary, term sheet, or contract and ask for any other information needed to assess the payment.
Will my information be sent to lenders?
Not merely to review an offer. If you later authorize Frank Business Solutions to pursue an alternative, relevant information may be shared with selected lenders or financing partners for evaluation.
Request a review before you commit
Tell Frank how to reach you and what offer you received. He will follow up to arrange a time to discuss the terms and how to share the documents.
Frank Business Solutions is not a bank or direct lender. Financing is provided by third-party lenders and funding partners and is subject to underwriting, approval, executed agreements, and closing conditions.