Scratchwork Capital Strategy™
Become Lender-Ready Before You Pursue Your Next Round of Growth Capital.
Partners & Clients
The Next Stage
Revenue pays
the bills.
Assets build
wealth.
As your business grows, financing should evolve too.
The next stage isn't about keeping the lights on. It's about acquiring the people, equipment, technology, inventory, intellectual property, and real estate that increase the long-term value of your business.
Over four weeks, I'll help you determine what to finance, how much capital to pursue, and how to present your opportunity with confidence to lenders.
Deliverables
What you’ll
get in
4 weeks.
- 01
Financial Health Assessment
A comprehensive review of your financial statements, debt obligations, cash flow, and overall financial position.
- 02
12-Month Operating & Cash Flow Model
A customized financial model that projects cash flow, debt capacity, and future financing requirements.
- 03
Capital Allocation Strategy
A strategic framework outlining where capital should be invested to maximize long-term business value.
- 04
Growth Capital Roadmap
Recommendations for financing structures including SBA lending, working capital, equipment financing, commercial real estate, acquisition financing, and other growth capital solutions.
- 05
Capital Readiness Scorecard
An assessment identifying your strengths, potential lender concerns, and the improvements that can increase your financing readiness.
- 06
Lender-Ready Capital Package
A professionally organized financing package including your executive summary, financial narrative, supporting schedules, and documentation that can be presented to any qualified lender.
- 07
Executive Strategy Session
A working session to review the recommendations, pressure-test your financing strategy, and prioritize your next steps.
Who It's For
Built for
growth-stage
owners.
The Scratchwork Capital Strategy is designed for business owners who:
- Generate $1 million–$10 million in annual revenue
- Expect to pursue $100,000–$10 million in growth capital
- Are preparing for expansion, hiring, acquisitions, equipment purchases, or commercial real estate
- Want to make smarter capital allocation decisions before borrowing
- Value strategic financial guidance before approaching lenders
My Story
A startup
junkie
at heart.
I’ve spent more than 20 years investing in and operating early-stage companies, commercializing emerging technologies, and building businesses from the ground up.
As MoCaFi’s fifth employee, I helped acquire its first 25,000 customers, grow the company to a $100 million valuation, and launch an internal venture that generated more than $1 million in annual recurring revenue.
Today, I bring strategy, marketing, sales, product, partnerships, operations, and capital together to build stronger businesses.
Trusted partner to
entrepreneurs & investors
making an impact
From startup founders and community builders to investors and financial institutions, I've helped leaders turn ideas into growth.
On Our Block® St. Louis Accelerator documentary short, produced by award-winning actor and director, Malik Yoba
Steve was a thoughtful and high-value partner in helping us shape how we positioned TMC Community Capital to banks, investors, and financial institutions.
Steve is genuine, thoughtful, and deeply committed to helping entrepreneurs grow in meaningful ways.
Any business owner looking for a strategic partner who can connect growth, structure, and impact would benefit from working with Steve.
Steve didn't show up with just ideas. He showed up with a framework to get the job done.
The Capital Strategy Is Yours.
Everything I build belongs to you. Once your Scratchwork Capital Strategy is complete, you decide how to use it.
Present it to your existing bank, a new lending partner, or any financing source you choose.
Or, if you'd like my help, I'll introduce your opportunity through my commercial lending network and manage the financing process on your behalf.
Investment
Scratchwork
Capital
Strategy™
A structured four-week advisory process designed to help you make one of the most important financial decisions your business will face: how to deploy growth capital to create long-term business value.
- — Four-week engagement
- — No retainer
- — You own the work
The Capital Strategy includes
- Financial Health Assessment
- 12-Month Operating & Cash Flow Model
- Capital Allocation Strategy
- Growth Capital Roadmap
- Capital Readiness Scorecard
- Lender-Ready Capital Package
- Executive Strategy Session
- Financing introductions, if requested