Certus Credit Reviews 

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Certus Credit is a debt advisory firm for operating businesses. We work on the borrower's side of a financing: preparing the lending file, presenting it to lenders whose mandates fit the situation, and managing the process through closing. The firm works with businesses raising above $2.5M, into the $75M range, across refinancing, working capital, equipment, the consolidation of merchant cash advances, and acquisitions. Distributors, contractors, manufacturers, staffing and logistics companies, and service businesses with payroll, receivables and equipment make up most of the work. Every engagement starts with an assessment, and it ends with a plain answer about whether a managed process fits. If it does, we build the file the way underwriters read it: the debt schedule, trailing and interim financials, receivables aging, use of proceeds, and a short written summary of the business and the ask. The file goes to registered lender mandates, never to a list. Term sheets come back, we line them up, negotiate the points that can move, and manage the close. The scope of every engagement is set out in writing before any work starts. Credit decisions rest with the lenders who review the file, and no outcome is guaranteed. Certus Credit LLC, Sheridan, Wyoming. Business-purpose commercial financing only.See more