888-983-1617 [email protected]

Refinance Debt


Time to Shop for a New Bank?

Banking relationship hit a bump in the road? Might be time to go shopping? After all, you have a business to run and that takes time and money. And maybe you’re starting to turn the corner on growth and need capital. Before you move on, however, there’s always a chance you and your banker could work things out.

Decisions, decisions, decisions. Before you decide, you should ask yourself what went wrong? A good client-banker relationship has many components. Great bankers are great listeners. They offer positive solutions. Understand your business and your goals. And they find ways to say “yes” to your capital needs.

On the other hand, you need to have open communication with your banker from the very beginning. Be upfront about any challenges you face. Let them know of any issues the moment they arise. It all boils down to one thing, “trust.” And that goes for both sides.

That said, there are some relationships that just can’t be saved. Maybe your banker feels you’d be better off with a different lender? Then again, the bank’s portfolio of loan exposures could mean you’re not a good fit anymore. Or… you’ve simply outgrown each other. Next question? What’s a good fit for you and your future lender?

Look for one that wants to help you build a great business! That starts with taking the time to understand your business. Ask yourself. Does this lender see the potential in your business or company? If so, they can spot a good risk! While others may reject you. Make sure they believe in you and your ability. When they’re on your side, you can accomplish more together. And finally, are you viewed as a business partner? If that’s a “yes,” they’ll use their lending expertise to help you succeed.

So, what makes you a worthy borrower? Let’s start with your sense of integrity. Keeping your word is the basis of all financial agreements. A sense of prudence says you’re a responsible person. One who borrows only what you need. How are your money management skills? Do you have a solid grasp of your cash flow? And how about purposeful spending? It’s the best indicator of a successful loan. It determines what you’ll do with the money.

So, the end of your current relationship marks the chance for a new beginning. One that could hold promise. If you’re still standing at a crossroads, give us a call. We’ll make sure you’re headed down the road to success!

As Featured In

News & Insights

WHO WE HELPED IN 2022 - January 18, 2023-1

Who We Helped in 2022

At the start of every year, we at Oaklyn Consulting like to look back at the past 12 months to reflect on projects accomplished and lessons learned from our clients. Building on our achievements from 2021, Oaklyn Consulting worked with 34 organizations in 2022 on...

TEN LESSONS FROM OUR 30 - January 08, 2022-1

Who We Helped in 2021

We learned these 10 lessons from our 30 clients last year and believe they reflect the times: 1. Companies faring well and poorly are evaluating strategic alternatives We worked with 14 clients that came to us with questions about strategic alternatives, because...

WHO WE HELPED IN 2020 - January 21, 2021-1

Who we helped in 2020

As we all look forward to the possibilities of 2021, it’s tempting not to look back on 2020 at all, happy for it to disappear in the rearview mirror. But sometimes a review can hold helpful lessons. We found that the turmoil of the last year provided opportunities...

WHO WE HELPED IN 2019 - December 12, 2019-1

Who We Helped in 2019

During the holiday season, our tradition is to reflect on the year and assess how we fulfilled our purpose as a firm. Maybe you do something similar. Oaklyn Consulting's purpose is to be a good citizen of the business communities where we operate. In particular, we...

WHO WE HELPED IN 2018 - December 19, 2018-1

Who We Helped in 2018

During the holiday season, our tradition is to reflect on the year and assess how we fulfilled our purpose as a firm. Maybe you do something similar. Oaklyn Consulting's purpose is to be a good citizen of the business communities where we operate, by handling...

Who We Helped in 2017 - November 17, 2017-1

Who We Helped in 2017

In this season of giving thanks, we’d like to extend our gratitude to the entrepreneurs and investors we’ve worked with this past year. Thank you for the strong working relationships we’ve shared and for entrusting us with the big decisions concerning you and your...

Axial Forum_ Is Debt or Equity Better - May 09, 2017-1

Axial Forum: Is Debt or Equity Better for Your Business?

Our friends at Axial Forum reached out to 4 investment banking professionals for advice to business owners about when debt or equity financing is the right fit. My contribution was that the decision is determined by the type of business relationship a business...

There is Capital...You Just Don't Know How to Ask for It - August 20, 2014 -1

There is Capital…You Just Don’t Know How to Ask for It

When faced with hurdles in obtaining financing, some business owners throw up their hands and conclude there is no capital to access. That’s not true. While investors might be more inclined to say “no” in certain economic environments, there are dollars out there....

Set Your Organization On a Path To Success

With Oaklyn Consulting by your side, you can confidently navigate the turbulent landscape of venture capital governance.


Looking for a needle in a haystack?
Find the ideal successor.

Learn More

Buy a Business

Match made in heaven or…
On buying a business.

Learn More

Private Equity

The whale swallows the minnow.
Private equity makes your company an offer.

Learn More

Sell Your Business

Life in the fast lane? Whoops, red light ahead.
How to get to the sale and avoid the legal mumbo jumbo.

Learn More

Structure Joint Ventures

Saying goodbye to the angel and hello to…
Is it time to seek venture capital?

Learn More

Refinance Debt

When one door shuts, another opens.
Time to shop for a new bank?

Learn More

Maximize Your Value

The pot of gold at the end of the rainbow.
How do I maximize the value of my company?

Learn More


Work With Investors

Rough seas ahead?
Talking to investors in tough times.

Learn More