Tommy Dobczyk says banks care most about your organizational chart, ownership structure, and operating agreement, not your pitch deck. He outlines 22 bankable documents lenders want to see and a 36-month risk register tracking things like authorization failures and key-person concentration. Get the structure right first or banks won't even look at your financials.
Chapters
100%, the most important above all things, including the pitch deck. We've got 22 bankable documents that this is capable of creating in order for you to raise capital. And so you can see that it gives you understanding of lenders' adjusted base cases, conservative base haircut, debt, what the debt calls for. And so being able to understand why somebody might poke holes in it is based on some of this detailed information here. So here's the eRisk register for 36 months, reimbursement lags, Authorization failures, PHP license delays, expansion overreach, exit timing, key person concentration. The one that's probably the most important to banks is that first one right there. Organizational chart, ownership structure, and operating agreement. 100% the most important above all things, including the pitch deck. Like if you don't have a strong organizational chart, ownership structure, and OA, they don't even take you serious. They won't even look at your numbers if those three things are not the first thing they see. Lender investor objections and rebuttals, right? So these are the things that I'm praying you guys pay attention to because who else, like they say, don't tell your family about your dreams because your family's going to piss on them. Guess what I've done? I told my family my dreams so they could tell me what they didn't like about it and I can make sure it was in place. Not because I wanted them to like it, because I wanted everyone else to see that it was there. I allowed my family to tell me the truth because why? They don't give a shit about hurting my feelings, right? Strangers are way more polite, right? God, God. Like, like our parents taught us to be nice to people. What that results in is I don't tell you the truth, right?
