BIG Consulting Available

BIG Consulting operates on Carmichael Way in Forest Park with an advisory model centered on early loan feasibility checks and clear capital terms. Instead of steering clients toward predetermined lending packages, the firm evaluates the balance sheet, asset condition, and project numbers upfront. The initial pre-qualification review assesses whether an acquisition, refinance, or construction project can service debt under current underwriting standards, discussing debt coverage ratios and equity requirements before borrowers spend capital on formal loan applications.

The advisory work covers residential portfolios and commercial developments, bridging the gap between local property developers and nationwide lending networks. A central component of their practice involves sorting out liability structures between recourse and non-recourse instruments. For high-leverage or ground-up projects, the consultants detail the true exposure of recourse loans, where a borrower's personal assets remain reachable if post-default asset sales fall short. When structuring non-recourse debt, they outline the stricter underwriting thresholds, net-worth covenants, and liquidity reserves lenders enforce to isolate risk strictly to the real property.

Feasibility assessments rely on transparent balance sheet scrutiny and realistic asset valuations. Rather than issuing vague approvals, BIG Consulting outlines clear project milestones, breaking the financing lifecycle into preliminary file reviews, underwriting package assembly, lender submission, term sheet analysis, and closing coordination. If an appraisal falls short or a borrower's debt-service coverage ratio cannot support the requested loan amount, the consultants communicate the gap immediately, offering concrete remedies such as restructuring equity partnerships or lowering leverage rather than pushing forward with unviable financing terms.

Initial project reviews begin through an intake questionnaire where sponsors submit property summaries, rent rolls, and pro forma budgets. Turnaround on initial file reviews typically takes two to three business days, with lender term sheet presentation following within seven to ten days for standard commercial assets. Prospective borrowers preparing for intake should assemble trailing twelve-month operating statements, current leases, purchase contracts, and personal financial disclosures before scheduling their preliminary review to avoid pipeline delays.