What we do — and how we do it differently.

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Access the right capital — on the right terms with our business finance services. We assess your capital needs and structure debt solutions that align with your business objectives. From SBA and conventional lending to bridge financing and private credit, we maintain lending broker relationships across all major product types. Our team works relentlessly to get your deal funded at terms that make sense, while also providing financial model support and transaction advisory for your strategic decisions. 

● Loan Structuring  ● Lender Coordination  ● Bridge & Private Credit  ● Debt Refinancing

Decisions built on numbers that hold up.  

We provide comprehensive business finance services, including institutional-grade financial models, business valuations, and proformas that inform investment decisions, support lender packages, and withstand diligence scrutiny. Whether you're acquiring a hospitality asset, entering a PE transaction, or planning a capital raise — your numbers need to tell a credible story. Our financial model support ensures they do.  

● 3-Statement Modeling  ● DCF & Valuation  ● Proforma Development  ● Lender Packages  ● Transaction Advisory

From letter of intent to closing table, we provide comprehensive business finance services to guide you through every stage of the acquisition process. Our team serves as the financial and strategic lead on business acquisitions—managing deal structure, offering financial model support, coordinating due diligence, interfacing with lenders and legal counsel, and ensuring that every financial obligation is accounted for. Our principals have successfully navigated high-profile, multi-million dollar transactions across hospitality, franchise, real estate, and service businesses with a strong focus on transaction advisory.

● Deal Structuring  ● Due Diligence  ● LOI & Term Sheet Review  ● Transaction Management

Our business finance services provide finance-focused support for real estate acquisitions. We apply a finance-first lens to real estate transactions by offering underwriting, capital structuring, and lender coordination for investors, operators, and developers. We don't replace your real estate broker; instead, we ensure that the financial architecture of your acquisition is sound, bankable, and positioned for long-term performance. With our financial model support and transaction advisory, you can trust that your investment is in capable hands.

● Acquisition Underwriting  ● Lender Coordination  ● Capital Stack Advisory  ● CRE Finance

Strategy grounded in financial reality. We work alongside operators and leadership teams to translate financial data into strategic decisions — identifying revenue growth opportunities, optimizing cost structures, and building the financial foundation for sustainable scale. This isn't consulting theater; instead, we provide actionable analysis through our business finance services that are tied to real outcomes. Our expertise includes financial model support, enabling effective budget and forecasting, and delivering transaction advisory to enhance KPI development.  ● Revenue Optimization  ● Cost Restructuring  ● Budget & Forecasting  ● KPI Development

Executive finance leadership — without the full-time cost.

When your business requires expert CFO guidance in the room — but not on the payroll — Saltwater delivers. We offer comprehensive business finance services, including interim and fractional CFO solutions. Our team effectively manages your accounting department, oversees controllers and CPAs, coordinates tax accountants, and provides financial model support as the executive finance voice in board meetings, lender conversations, and investor reviews.

● Interim CFO  ● Accounting Oversight  ● Controller Management  ● Tax Coordination  ● Transaction Advisory