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ClarIQ Toolkit · $49 USD, instant download

You do not need to be rich. You need to look fundable.

Ordinary people buy profitable businesses every week with about 10% down and a government-guaranteed loan behind them. This 10-page pack shows exactly what the bank needs to see: the three tests, the document list, and the 90-day map from first call to keys.

Get the pack, $49

Instant download. Self-serve education, not advice. Refund within 14 days, no forms.

See what arrives in the downloadActual PDF cover
Actual PDF cover: Buy a Business With the Bank’s MoneyOpen cover image ↗
Buy a Business With the Bank’s Money

The download includes:

  • Loanability worksheet
  • Bank document checklist
  • Money math in plain English

Actual first page of the PDF included in this download. Open the cover image to inspect it at full size.

Inside the download

The loanability worksheet

Score yourself on the three tests, credit, cash, and story, before any lender pulls your file. Every unchecked box becomes a to-do with a date, not a rejection.

Inside the download

The bank's document list

The personal file and the deal file, item by item, each with why they ask. Show up complete and get treated like a professional; the pack ends with a prequal packet most buyers never think to build.

Inside the download

The money math, in plain words

Injection, coverage ratio, rate and term, and the salary you pay yourself: the four numbers underwriting actually runs, including the seller standby move that can cover part of your down payment.

Inside the download

The 90-day map and the deal-breaker list

What happens week by week from accepted offer to closing, the single lever you control (document speed), and the seven preventable mistakes that break these deals.

Questions

The honest answers

Is this specific advice for my deal?
No. It is a self-serve education pack: worksheets, checklists, and plain-English explanations that prepare you before lenders and advisors enter the picture. For professional eyes on a live deal, the written deal teardown is the step up.
What exactly do I get?
A 10-page PDF built for printing and scribbling on: the loanability worksheet, both document checklists, the money math explained, the 90-day timeline, and the seven-mistake deal-breaker list. Delivered instantly after checkout.
Does it promise I will get approved?
No, and be suspicious of anything that does. It shows you the tests lenders run so you can pass or fix them on your own timeline. People fail these loans for predictable reasons, and predictable means preventable.
Is it current on the 2026 rules?
Yes. Figures reflect SBA policy: the up-to-$10M combined program ceiling effective July 4, 2026, and the coverage floors and down-payment rules in SOP 50 10 8.1, effective October 1, 2026.
The honest first step

Tonight: score yourself. Next week: call a lender prepared.

Checkout takes a minute, the pack downloads instantly, and the worksheet takes one honest evening. That puts you ahead of nearly every buyer a lender will meet this month.

Get the pack, $49

Browse the whole toolkit, or just say hello: hello@clariqadvisory.com