What We Do



Coveted Financial Services assists Business Owners by providing Financial Consulting. This can take many different forms such as: moving or expanding a commercial credit relationship, providing on-going financial consulting or facilitating the sale of a business.

In any of these scenarios, there can be numerous services that Coveted Financial provides. The list below highlights the infinite ways that we help our clients, again, using our knowledge from decades of being in the banking business.


    Review and evaluate the current banking relationships and ensure most competitive terms possible are being obtained
    Assist in finding the right bank and banker for a client’s specific business
    Assist in moving and/or expanding a commercial credit relationship
    Review complex, aggregate current credit structure and provide financial proposal on better structure to meet needs and current rate environment
    Interpret banking proposals, financial statements, budgets, forecasts, and cash flow projections
    Discuss and develop a business succession plan
    Work as an “outsourced CFO”
    Negotiate covenant waivers
    Work with the bank workout/special assets team if needed for exit strategy and resolution
    Establish multiple bank relationships if appropriate
    Assist with upside down commercial real estate where loan to value is unsatisfactory
    Negotiate judgements, past due taxes and liens
    Review covenant compliance, borrowing base certificates, and help negotiate loan terms
    Negotiate short sales, forbearance agreements
    Introduce alternative financing solutions if needed
    Provide on-going detailed cash flow analysis and projections
    Assist business owners with the sale of their company including establishing EBITDA goals, valuation targets, sale structure
    Educate clients on risk rating, internal credit process
    Examine various banking products and services that could be beneficial to a business, such as: cash management, letters of credit, merchant services, swaps, etc.
    Prepare and define a global cash flow analysis
    Partner with all trusted advisors including bankers, accountant, attorney, insurance agent, investment advisor, etc.

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