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ClarIQ Toolkit · $39 USD, instant download

Lenders size you up in five minutes. Show up ready.

Banks are a market with wildly different appetites, and the buyer who interviews three of them runs an auction instead of an application. This 8-page kit arms every meeting: the call scripts, the fine-print traps, and the sheet that picks the winner.

Get the kit, $39

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

See what arrives in the downloadActual PDF cover
Actual PDF cover: Walk Into the Bank Sounding Like a ProOpen cover image ↗
Walk Into the Bank Sounding Like a Pro

The download includes:

  • First-call and live-deal scripts
  • Term-sheet red flags
  • Side-by-side offer comparison

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

Inside the download

The first-call script

Seven questions that establish you as organized, informed, and comparison shopping, including the preferred-lender question that quietly signals you know how the machine works.

Inside the download

The live-deal script

Rate, fees itemized, prepayment, working capital, conditions to close, and the single highest-value question in the kit: what would make your committee say no?

Inside the download

Eight term-sheet red flags

A rate with no index, fees as a category, pressure to stop shopping, and five more, each with the calm, polite counter-move.

Inside the download

The comparison sheet and the glossary

Fifteen rows, three lenders, one honest page, plus fifteen banking terms translated to human. The winner is rarely the lowest rate; it is the best whole row.

Questions

The honest answers

Will asking these questions annoy a lender?
The good ones respect it; prepared borrowers save them time. If a lender bristles at itemized fees or comparison shopping, that reaction is information, and it is on the red-flag list.
I already have a lender I like. Still useful?
Especially then. One relationship deserves one comparison. Two more calls with this kit either confirms your lender is great or saves you real money, and both outcomes are wins.
Is this legal or financial advice?
No. It is preparation: questions, translations, and a comparison method. Your lender's written documents govern, and your attorney and CPA stay on your team.
When should I read it?
Before your first lender call, then again the day a term sheet arrives. It is 8 pages on purpose; you can re-arm in twenty minutes.
The meeting is the market

Three calls. One winner. No surprises at closing.

The kit downloads instantly, the scripts fit in a notebook, and the comparison sheet does its best work taped next to your desk for a month.

Get the kit, $39

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