The Problem
Capital is within your reach. What is missing is showing up with the right tools.
Commingled Accounts
Mixed business and personal finances create significant risk for lenders and hinder your ability to demonstrate clear capital structure.
Untraceable Cash Sales
Unrecorded cash transactions create a shadow economy that banks cannot verify, leading to immediate credit rejection.
Wrong Channel
Submitting to the wrong institution wastes time and resources, often resulting in a rejection due to a lack of institutional fit.
No Financial Statements
A lack of formal documentation makes it difficult for banks to assess your historical performance and future growth potential.
No Projected Cash Flow
Many businesses give up after one rejection, missing other financing options and opportunities to grow.
Giving Up After Rejection
Many businesses fail to pursue alternative financing options after a single rejection, missing out on the capital they need to grow.
What We Do
Financial Order
We establish the structural integrity of your business, ensuring every financial transaction is transparent and compliant with industry standards.
Credit Preparation
We build the foundation for
your business to be recognized
as a creditworthy entity, preparing
your financial statements for institutional review.
Growth Plan
We design a strategic roadmap
for your business, focusing
on sustainable capital growth and
long-term market expansion.
First Loan
We navigate the complexities
of the lending process, securing the initial capital required to launch or scale your operations.
We conduct a comprehensive assessment of your business's
current state, identifying areas for immediate improvement and
strategic advancement.
BFA Diagnostic
We provide continuous
supportand monitoring to
ensureyour business maintains
its credit-readiness and
financial stability.
Follow-up
Christian Herrera
Seasoned financial strategist with over 15 years of experience in the banking and capital markets. He founded Herrera Capital Advisors to provide high-level business advancement through the BFA Methodology. His expertise in bankability and formalization has helped numerous enterprises secure the capital needed for sustainable growth and long-term success.
“The BFA process gave me
clarity around my finances and
a clear roadmap for the next
stage of my business.”
— Placeholder Client, Small Business Owner
“The BFA process gave me clarity
and a clear path forward.”
— Placeholder Client, Small Business Owner
FOR ADVISORS · COMING SOON
BFA Coaches School & Financial Growth Advisors
Certification for independent advisors, CDFI staff, and chambers of commerce to apply the BFA protocol with the same instruments, thresholds, and indicators. Training via Zoom. The manual and program will be published on this page.