Lenders size you up in five minutes. Arrive already measured.
Banks are not a wall; they 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 first-call script, the live-deal script, the fine-print traps, and the sheet that turns three offers into one clear winner.
Instant download after checkout. Self-serve education, not advice; the fine print inside says so in the same plain English. Not what you expected? Email us within 14 days and we refund it, no forms.
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.
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?
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.
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.
The honest answers
Will asking these questions annoy a lender?
I already have a lender I like. Still useful?
Is this legal or financial advice?
When should I read it?
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.
Browse the whole toolkit, or just say hello: hello@clariqadvisory.com