Services
Practical business consulting, financing education and lender referrals, and certain SBA packaging support. The right path depends on what you are trying to accomplish.
Choose the kind of help you need
Three distinct ways we may work with you.
Keeping these roles separate helps make the scope, responsibilities, and compensation clear from the beginning.
Business consulting
For growth questions, operating constraints, planning, and major business decisions. We first understand the situation, then define the advisory scope before paid work begins.
Financing education and lender referrals
For business owners trying to understand financing options and general lender expectations. When appropriate, we may introduce you to a participating third-party lender. The lender makes all credit decisions.
SBA packaging support
For certain SBA transactions, CSB Advisors may be separately engaged as an SBA Agent or Packager to help gather, organize, prepare, and transmit application materials as permitted by applicable SBA and lender requirements.
Grow the business
You have an opportunity, or something is in the way of taking it. We work through the options with you, look at what it costs and what it returns, and help you decide what to do first.
- Evaluate an opportunity
- Find what is limiting capacity
- Set priorities and sequence
Plan the next stage
A big decision is coming and you want to think it through properly. Expansion, succession, a pivot, or selling. We map the options, weigh them, and turn the decision into steps.
- Map the real options
- Weigh cost, timing, and risk
- Turn the decision into steps
Business financing
We explain how the common financing types work and, when it makes sense, introduce you to a participating third-party lender. We are not a lender and we do not arrange or negotiate loans.
- Understand the options
- Know what lenders generally ask for
- Get introduced to a participating lender
For certain SBA financing, CSB Advisors may also provide administrative loan-packaging support as an SBA Agent or Packager where applicable, including gathering, organizing, preparing, and transmitting application materials through an appropriate process. This role is separate from the lender's credit decision. The participating lender remains responsible for eligibility, underwriting, pricing, terms, approval, closing, and funding.
CSB Advisors is not a lender. We provide financing education and referrals and may provide SBA packaging support where applicable. The participating lender determines eligibility, terms, approval, closing, and funding.