Business Support and Fundraising

Client Profile: An owner of a boutique wellness studio in Portland, OR

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Situation: The owner is exploring refinancing a $180,000 loan and considering opening a second location. Their banker has offered three options, but they aren’t sure when or how to proceed.

Challenge: The business has lumpy revenue due to seasonality. The owner needs clarity on debt service, cash runway, and the timing of expansion, especially with a volatile interest rate environment.

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What Liberty Clear Would Do: We model the three different refinancing structures offered to the client and layer in interest rate forecasts, seasonal cash flow variation, and capital needs for expansion. Our dashboard shows the optimal timing and loan structure to maintain liquidity.

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Example Outcome: Our analysis shows that refinancing in 6 months could lower the interest rate by up to 0.75% while also buying time to stabilize cash flow. The client delays the refinance and adjusts their hiring plan to allow them to take advantage of a better expected market. Liberty Clear maintains the client's financial model and updates them on changes to the interest rate environment to allow them to act quickly once markets are favorable.

Client Profile: A logistics tech startup founder in Northern California

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Situation: The founder is preparing to raise $750,000 in seed funding. She has the product and traction, but needs investor-ready materials that tell a compelling financial story.

Challenge: Her initial materials lack clarity and are not resonating with the investors she has met to date. Forecasts have been prepared based on her gut feel. She needs help preparing and presenting her numbers with credibility, and aligning them to key metrics that capital providers look for.

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What Liberty Clear Would Do: We build a detailed and comprehensive 3-year financial model, benchmark her margins and other key metrics against industry comps, and produce visually polished outputs for her pitch deck. We also coach her on presenting key drivers of her business.

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Example Outcome: Our model, investor materials and presentation coaching allows the founder to raise the funds she seeks, as she feels more confident in the information she is providing and the strategic way she is able to present to her investors. She also better understands the metrics she needs to meet for her investors to meet their financial targets.

Client Profile: A profitable DTC skincare brand with $1.8 million in annual revenue

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Situation: The founders want to expand into retail stores but fear raising equity too soon. Their lender requires more structured financial projections to offer more attractive terms for a loan.

Challenge: The business’s internal forecasting processes lack institutional maturity, especially around seasonal cash flow and wholesale margin impact.

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What Liberty Clear Would Do: We build a 3-year financial model with growth forecasts, segmented revenue by DTC vs. wholesale, and layer in inventory turnover, seasonal cash needs, and margin improvement scenarios. We also create a dashboard tailored for lenders.

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Example Outcome: Our financial modeling provides the founders with a credible plan, and they are able to secure a non-dilutive line of credit at favorable terms.

Client Profile: A retiring owner of a local HVAC business in Phoenix, AZ

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Situation: After 22 years in business, the owner has received a $1.2 million offer to acquire his business. He isn’t sure if it is a fair price, or if it would fund his retirement.

Challenge: The client hasn’t adjusted his financial budgets for normalized compensation, working capital, or seller tax obligations. He needs clarity on both the business's value and after-tax proceeds.

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What Liberty Clear Would Do: We rebuild the business’s 5-year financials and adjust for normalized owner compensation. We add a valuation scenario model (SDE, EBITDA multiple, and DCF) and a retirement income plan for the owner. We work with his CPA to optimize sale structure.

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Example Outcome: The model shows the fair value range was $1.35 to 1.55 million. The owner negotiates to $1.48 million and structures the deal with a 10% seller note to reduce capital gains exposure.