Capital Consulting for Businesses

Free consulting to help you navigate business financing.

One-on-one guidance from nonprofit business consultants who help you understand your capital options, prepare for lenders, and build financial strategy. Completely free.

Check Eligibility

Only 4 minutes

1000+ Businesses

$500M deployed

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Licensed Lender

Approved Broker

Expert guidance at no cost

ChatBiz connects you with nonprofit consulting organizations that offer free, confidential business advising. These consultants help you understand your financing options, strengthen your business plan, and prepare for the loan application process.

Who provides this

Established nonprofit organizations with decades of experience supporting small businesses. Many are funded by the SBA and have helped thousands of entrepreneurs navigate financing successfully.

What to expect

One-on-one sessions focused on your specific situation. Consultants review your financials, help you understand what lenders need, and guide you through improving your loan readiness all at your own pace.

Services you'll find in the database

Business plan review

Financial statement prep

Loan application help

Market research guidance

Financial literacy training

Lender relationship advice

Note: Some organizations also connect businesses with paid professionals (like CPAs or lawyers) when specialized expertise is needed.

Good fit vs Wrong fit

You're a good fit if

You're exploring financing options but unsure where to start

You need help organizing financials or writing a business plan

You want to understand what lenders look for before applying

You'd benefit from guidance on improving your loan readiness

You're willing to invest time in the consultation process

Look elsewhere if

You need money today or within a few days

You're looking for someone to fill out applications for you

You expect guaranteed loan approval after consulting

You're unwilling to share financial information confidentially

You need legal or accounting services (not business advising)

Finding and working with consultants

Filter

Use our database to filter consultants by location, business stage, and the specific services you need.

Review

Read profiles to understand each organization's expertise, availability, and how they work with clients.

Prepare

Gather your financial documents and prepare questions before your first consultation session.

Follow guidance

Work through the recommendations at your pace, consultants are there to advise.

We connect you, they consult you

ChatBiz maintains a directory of consulting organizations, but we don't provide the consulting. Our role is to help you find the right advisor for your needs.

Consultant

Independent expert provides guidance and support

Consultant

Searchable directory of verified consulting organizations

For loan-ready users: After working with a consultant, if you're ready to apply for financing, ChatBiz can help you check your eligibility with our network of community lenders.

Realistic expectations

This takes time

Building loan readiness isn't instant. Most consulting relationships span several weeks or months as you work through financials, refine your plan, and address gaps.

You do the work

Consultants guide and advise, but you're responsible for implementing changes, gathering documents, and completing your business plan.

No guarantees

Consulting helps you prepare, but it doesn't guarantee loan approval. Lenders make independent decisions based on your business fundamentals and creditworthiness.