HFG Makes Your Financials Loan-Ready — Then Connects You With NC's Best Lenders.
Business Financing Advisory
Most lenders say no because your financials aren't telling the right story. HFG gets your books, tax returns, and projections loan-ready — then connects you with SBA lenders, credit lines, and alternative capital sources.
Financing Solutions
We match your situation to the right product — not what pays us the most commission. Here are the financing options we help NC businesses access.
The gold standard for small business financing. Lower rates, longer terms, government-backed. HFG prepares your full SBA package — financials, projections, business plan, and tax returns — to maximize approval odds.
Best for buying real estate, equipment, or major fixed assets. Lower down payment than conventional loans. We handle the entire financial package required for approval.
Revolving credit you draw on when needed — only pay interest on what you use. Ideal for managing cash flow gaps, seasonal inventory, or payroll. We position your financials to qualify for higher limits.
Finance vehicles, machinery, POS systems, HVAC units, or any business equipment. The equipment itself serves as collateral — often easier to qualify than unsecured loans.
Fast-close capital for immediate business needs. Inventory purchases, marketing campaigns, staffing, or bridging a slow season. We help you find the lowest-cost option so you're not giving away profit.
Turn unpaid invoices into immediate cash. Ideal for contractors, wholesalers, and B2B businesses waiting 30–90 days on payments. We review your AR aging and identify the right factoring partner.
Based on your credit card or sales volume — not credit score. Repaid as a percentage of daily sales. We make sure you understand the true cost and only pursue this when it's the right tool for your situation.
Purchase your commercial space, warehouse, or retail location. Pair with SBA 504 for lower down payments. We prepare all financials and work with CDFI and conventional lenders across NC.
How It Works
We handle the heavy lifting — you focus on running your business.
We review your revenue, credit, time in business, and goals to identify which financing products you qualify for — and what will cost you the least.
We clean up your books, prepare profit & loss statements, balance sheets, tax returns, and projections — exactly what lenders need to say yes.
We connect you with the right lenders based on your industry, loan size, and timeline. We submit on your behalf and manage the back-and-forth so you don't have to.
Once funded, we stay on as your bookkeeping and tax advisor — keeping your financials strong for future raises and renewals.
Why Hykes Financial Group
HFG Financing Outcomes
"HFG cleaned up 2 years of my books, prepped my SBA package, and had me funded at $280,000 in 6 weeks. My bank had told me no twice."
— Marcus T., Charlotte NC (Contractor)
Qualification Guide
General benchmarks vary by loan type. Even if you don't meet every criteria, HFG can often find alternative routes or help you build toward approval.
Financing Intelligence
The #1 reason small businesses get turned down for loans isn't bad credit. It's presenting financials that tell the wrong story. Here's what lenders actually look for — and how HFG prepares you to win.
Lenders require clean, reconciled P&L statements and balance sheets for the last 2–3 years. If your books are behind, inconsistent, or managed in a spreadsheet, you're already disqualified before they open your file. HFG cleans up your books first — then we package them for lenders.
SBA lenders require a 2–3 year financial projection. Most small business owners hand over last year's tax return and hope for the best. We build lender-ready projections that show debt service coverage ratio (DSCR) above the required 1.25x — the #1 underwriting metric.
A conventional bank SBA application makes no sense for a $40K equipment purchase. A merchant cash advance is the wrong tool for a 3-year expansion plan. We match your loan type, size, and timeline to the right lender — SBA, CDFI, alternative, or equipment-specific — before a single dollar is applied for.
The 5 Cs of credit — Capacity (DSCR), Capital (equity/assets), Collateral, Conditions (loan purpose), and Character (credit + reputation). HFG builds your entire package around each one. We don't submit until every box is optimized to maximize your approval odds and minimize your rate.
North Carolina has active SBA Preferred Lenders (PLP status), CDFIs like Carolina Small Business Development Fund, credit unions, and online alternative lenders who understand NC markets. We have active relationships with 12+ capital sources and submit to the right one based on your industry and loan size.
Tobacco shops, convenience stores, and contractors each have specific financing needs — and lenders who specialize in them. Tobacco retailers often qualify for inventory and build-out financing. Contractors use equipment loans and lines of credit for project float. We know the right source for your specific industry in NC.
Loan Readiness
Most loan applications die in the document collection phase. Here's the complete package HFG builds for every client before submitting to any lender.
HFG assembles every document above — from your books, your tax filings, and your business records — before submitting to any lender. Most clients arrive with 2–3 of these. We build the rest.
Common Questions
No. Financing advisory is bundled into your monthly plan. We do not charge success fees or broker commissions on top of your plan rate. Our incentive is to keep you as a long-term client — not to place you in an expensive loan.
SBA loans typically take 30–90 days from application to funding. Our advantage: we prepare your complete financial package upfront, which dramatically reduces lender back-and-forth. Alternative lenders (lines of credit, MCAs) can fund in 24–72 hours.
Yes — this is one of our most common scenarios. We first clean up your books (catch-up bookkeeping), then prepare a lender-ready financial package. Most clients are application-ready within 2–4 weeks.
Often yes. Bank denials are frequently due to incomplete or poorly presented financials — not a fundamental business problem. We've helped multiple clients get funded after prior denials by properly packaging their financials and matching them to the right lender.
Yes, though options are more limited. Microloan programs (SBA Microloan up to $50K), CDFI loans, and revenue-based financing are available for newer businesses. We assess your specific situation and identify the realistic path forward.
SBA loans generally require 650+. Alternative lenders may approve 580+. Revenue-based and asset-backed products (equipment, invoice factoring) often have no minimum credit requirement. We find options based on your actual profile.
Book a free 15-minute financing consultation. We'll review your situation, tell you what you qualify for, and outline exactly what we need to get you loan-ready.
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