Lenders, sureties, and CDFIs tell us the same thing: they want to say yes to small trade businesses, and they cannot underwrite what they cannot see. M2M works on the applicant side of that problem.
We do not ask anyone to change credit policy, lower a bar, or make an exception. We work with the business until the file it brings you is one you can actually assess.
Books current and closed monthly. Job costing that shows profit by project. A work-in-progress schedule that surfaces over- and under-billing. Interim financials producible within 72 hours of a request.
Applications arrive complete. Reviews move on schedule. Requests for missing documents drop. And the businesses that reach you are ones whose numbers describe what is actually happening in the company.
A transit contractor secured working capital and retained a $305,000 state contract that was otherwise at risk.
An electrical contractor moved into a surety program with single and aggregate limits the books could finally support.
A stalled payment moved after ten months of the owner's own calls had not.
These are contributions, not attributions. M2M builds the system and makes the introduction; the lender, the surety, and the buyer make their own decisions. We report it that way on purpose.
Whether you are lending, bonding, or funding the work itself — start with a conversation. We will show you exactly where a dollar lands and what it changes.
Text or call 917-342-2382
or email info@them2mproject.org