Find out why your loan was rejected or downsized — and exactly what to fix before you apply again.
A deeper review covering your full Profit & Loss and Balance Sheet, with real solutions you can act on — plus a working call with your analyst to walk through everything.
✓ Includes everything in the Basic Review- Complete review of your P&L — every issue, not just the top 3
- Top 3 issues identified in your Balance Sheet
- Top 5 credit ratios across both statements
- Solutions and recommendations for each issue found
- 1-hour working call with your analyst
- 1 intermediate written review report
Secure checkout · Report + call within 7–10 business days · Fully confidential
Everything you get with the Partial Review
Everything in the Basic Review
The business model critique, rejection diagnosis, and P&L-only red flags from Tier 1 — all included here as the starting point.
Complete P&L Review
Not just the top 3 issues — every red flag in your Profit & Loss statement, fully identified and explained.
Balance Sheet Review
The top 3 issues in your Balance Sheet most likely to concern a lender — leverage, related-party items, or asset quality concerns.
Top 5 Credit Ratios
The five ratios across your P&L and Balance Sheet that carry the most weight in a lender's decision, explained in plain terms.
Solutions & Recommendations
Every issue identified comes with a specific, actionable recommendation — not just a list of what's wrong.
1-Hour Analyst Call
A working call with your analyst to walk through every finding, ask questions, and confirm your next steps.
Your Intermediate Report
A complete written report covering the full P&L and Balance Sheet review, the 5 ratios, and all recommendations.
From purchase to call, in five simple steps
Submit your P&L and Balance Sheet
After checkout, you'll receive a simple upload form for your most recent 12 months of financials.
We review both like a lender would
Your analyst reads both statements the way a credit committee will — every issue, not just the obvious ones.
We build your recommendations
For every issue found, we prepare a specific, actionable recommendation — not just a diagnosis.
You get on a call with your analyst
A 1-hour working session to walk through every finding, answer your questions, and confirm what to do next.
You receive your intermediate report
Everything from the review and the call, written up so you can act on it or share it with your team.
A broker checks your documents. We rebuild your credit story.
Most loan brokers and loan officers are checking whether your paperwork is complete and your file matches a checklist. That's not the same job as figuring out why your numbers look the way they do, and what specifically to do about it — for your business, in your industry, not a generic template.
In one of our client's cases, getting the structure wrong meant leaving real money — and real time — on the table.
Figures shown are illustrative, drawn from a specific fictional case in our sample report — not a guarantee or average for any actual engagement. See the full scenario in the sample below.
Talks about your documents
- "Submit more bank statements"
- "Your file is missing X document"
- "Talk to your accountant about this"
- "Improve your profitability" — with no specific path to do it
- Applies the same checklist to every client, every industry
Rebuilds the credit story itself
- Finds the specific number that's wrong, and why it's wrong
- Builds a structural fix — re-casting, restructuring, or re-routing — not a to-do list
- Tailors every solution to your industry's actual economics
- Quantifies the before-and-after impact, not vague encouragement
- No two clients get the same playbook — because no two situations are the same
The same surface complaint. Three completely different fixes.
This is the part a document checklist can't replicate — because the right fix depends entirely on the industry underneath the number.
Reframe the credit story around asset coverage, not whole-company leverage, and route the equipment portion to a lender that prices collateral correctly.
Re-cast the retiring owner's compensation to fair-market level, then bridge the remaining gap with a subordinated seller note.
Document the multi-year retail supply contract as a structural offset and finance against it directly.
Who the Partial Review is built for
This is for you if —
- You've already been rejected or downsized and want real solutions, not just a diagnosis
- You want your Balance Sheet covered, not just the P&L
- You want a call with your analyst to ask questions directly
Consider the Basic Review if —
- Your question is only about the P&L
- You want a fast, lower-cost first read before committing further
Consider the Full Deep Dive if —
- You also need Cash Flow and Notes to the Financials reviewed
- You want hands-on support through actual submission, not just a report
- You need help with loan structuring, sizing, or a rejection-recovery guarantee
We do not accept every engagement. We only take cases where we believe we can add value.
Every review requires real analyst time. If we do not believe we can help you improve lender readiness, understand your rejection risk, or strengthen your funding story, we would rather tell you before you spend a dollar.
We look for
- Business owners serious about obtaining financing
- Companies willing to improve their financial story
- Situations where lender delay, rejection, or downsizing has real cost
- Owners who value direct credit-side feedback
We usually decline
- Clients looking for guaranteed approvals
- Businesses unwilling to provide complete information
- Owners who only want confirmation they are already perfect
- Situations where our work would not justify your investment
Why we are selective
Our work is not about selling reports. It is about identifying what may stop a lender from saying yes. Sometimes the most valuable answer is: fix this first, do not submit yet, or restructure the request before approaching the bank.
Answer the 7 questions we use to assess mutual fit.
Your answers help us understand whether your situation is suitable for Basic Review, Partial Review, Full Deep Dive, Fractional Credit CFO, or no engagement yet.
Real analysts, not generic consultants.
The analysts behind our work continue to operate within credit, finance, banking, and institutional-style analysis environments.
Because of ongoing professional obligations and confidentiality requirements, we do not publicly disclose individual identities.
You are paying for current credit-thinking — not retired theory.
What you get instead of public bios
- Reports written using real credit-analysis logic
- Direct explanation of likely lender concerns
- Independent view, not broker-driven optimism
- Practical recommendations based on lender-readiness
- A private second opinion before your bank sees the file
Partial Review — frequently asked questions
What do I need to submit?
Your business's Profit & Loss statement and Balance Sheet, ideally covering the most recent 12 months. We'll send a simple upload form after checkout.
How long does it take?
Your written report and call are completed within 7–10 business days of us receiving your financials.
How does the call work?
A 1-hour video or phone call with your analyst, scheduled after your report is drafted, to walk through every finding and answer your questions directly.
Is my information kept confidential?
Yes. Your financials are reviewed only by your assigned analyst and are never shared with any lender, broker, or third party.
Does this guarantee my loan will be approved?
No. This is an independent diagnostic and advisory review, not a guarantee of any lending outcome.
Can I upgrade to the Full Deep Dive later?
Yes. If you upgrade within 60 days, the $7,997 you paid is credited in full toward your Full Deep Dive engagement.
Get solutions, not just a diagnosis — in 7–10 business days.
Creditmirror provides independent credit-readiness analysis for informational and planning purposes only. We are not a lender, loan broker, accountant, auditor, attorney, or licensed financial adviser, and this review does not guarantee any lending outcome.