Frequently asked questions
Straight answers about what we do, and what we don't.
Are you a lender or loan broker?
No. Coinfish Capital Advisors is a consulting firm. We don't make, fund, arrange, or broker loans or investments. We help businesses get their financials, documents, and plans ready. Lenders and investors make every financing decision.
What do you charge?
A Readiness Assessment starts at $350. The 90-Day Readiness Program starts at $1,500/month. Work for lenders, CDFIs, and credit unions is quoted after a short conversation. Fees are flat consulting fees and are never tied to whether you get financing.
What is the Lender's-Eye Review?
A written review of your financing file in the style of a credit memo, from a former loan-committee decision-maker, delivered in 5 business days once we have your documents. From $950. It is consulting, not a loan decision or approval; only lenders decide.
Do you guarantee approval?
No. No one can honestly guarantee approval. Our work improves how prepared and organized you are; the lender decides.
Do you take success fees or a percentage of loans?
No. We don't take success fees, commissions, or any percentage of loans or investments. You pay only for consulting time.
Do you do credit repair?
No. We don't offer credit repair. We can help you understand how lenders generally look at credit and what to work on, but we don't dispute items or promise score changes.
What about SBA Form 159?
SBA Form 159 is used to disclose fees paid to agents, such as packagers or referral sources, in connection with an SBA loan. Our fees are flat consulting fees for preparation work and aren't tied to any loan, and we don't take referral or packaging fees. Every lender handles this differently, so ask your lender whether they need any disclosure about consultants you've worked with.
Do you help small businesses use AI?
Yes. We offer Ethical AI Adoption (readiness review, acceptable-use policy, privacy guardrails and staff training) and AI Agents for Small Business (practical assistants for scheduling, follow-ups, document prep and reporting, with human review). Both are quoted after a consult. We don't guarantee outcomes, and this isn't legal advice.
Do you help raise capital?
We help you get ready to raise it, not raise it for you. Our Capital raising readiness work covers capital stack strategy, investor-ready financials and projections, pitch deck review, a use-of-funds plan and a data room checklist. Coinfish Capital Advisors is not a broker-dealer and does not sell securities or solicit investors. We help you prepare; you choose and engage your funding sources. We never take success fees.
Who do you work with?
Small businesses and contractors across New York and remotely nationwide that want to get ready for financing, plus lenders, CDFIs, and credit unions that need credit and portfolio support.
How do I start?
Take the free Readiness Check to see where you stand, or book a consult for a free 20-minute call. We reply within 1 business day.
General information only, not legal, tax, or financial advice.