Capital Finance Consulting
Business Plans
Due Diligence Services
Quick Site Reviews
Market Studies
Financial Feasibility Studies
Underwriting Support
Senior Housing Consulting
Projects & Clients


Capital Finance Plans...

Preparing capital finance business plans is one of the most important capital formation activities and needs to be carefully considered  by the development sponsor/project owner as each capital finance plan only gets one bite at the apple with each specific funding source the capital finance plan is submitted to for underwriting consideration.  Rainmaker Underwriting's approach to developing capital finance plans focuses on the following key due diligence issues:

The proposal must be specifically targeted in accordance with the specific underwriting preferences of a given funding source; and

The proposal must specifically address a capital funding structure and the proposed funding product that is essentially similar to those funding products the funding source routinely offers or accepts for investment consideration; and

The proposal material representations of fact must be backed by the high level due diligence documents that provide the basis for these factual representations and are ready for immediate transmittal to the funding source upon demand; and

The proposal sponsor must be ready to answer all of the questions the funding source's representative will pose pertaining to the market, finance and business particulars surrounding the use of funds for which the proposal is made, at the time of the initial application telephone teleconference with the funding source's representative.

There are common mistakes and very common misconceptions regarding the business funding process - especially where the funding is intended to be used for the development and construction of commercial income-producing properties - that result in routine rejections, frustration for the sponsor/borrower and the funding source underwriting team, and the inevitable loss of application fees.  These mistakes and misconceptions are almost 100% the fault of the sponsor/borrower because they don't understand the process, they don't understand the commercial credit market business model, they refuse to accept their responsibility for providing the due diligence documents required for underwriting - in the form and substance the funder requires - when the underwriting team requests production of these documents.  The result is that more than 4 out of 5 companies seeking funding for their business fail to obtain the funding they are seeking.

More than 4 out of 5...

Those are daunting odds and speak to the need for a better understanding of what is actually going to be required for a successful outcome to be an actual probability, rather than a remote possibility.

So, before you stroke that check to the broker, lender, banker or funding group, you would do well to consider the odds and the idea of having someone who actually understands the process, understands the underwriting requirements of that particular funding source and understands what needs to be represented in your funding proposal, help you throughout the process so that you can maximize your opportunity for a successful outcome.

That's where Rainmaker Underwriting comes into play with our unique business model for providing services:

We construct your funding proposal based upon the key underwriting points and issues the underwriters for the funding source being solicited wants to see in a transaction.

We construct your funding proposal based upon the due diligence elements supporting that proposal so that the propensity for materially-significant misrepresentations of fact do not occur.

We review and assist the client with the initial application process, by coaching them on the key transaction issues they will have to present, how they should present them and what information needs to be presented in the application to optimize their chance of taking the project forward into actual underwriting.

We assist the client with their compliance responsibilities regarding the production of the required due diligence documents to ensure they are ready when requested, have the form the underwriter requires and have the content the underwriter requires so that the propensity for the underwriting process to get snagged on this issue is minimized to the greatest extent possible.

We review and comment on all communications and continuously consult with the client and the client's project team to ensure that all underwriting issues and comments are disposed of in a timely and professional manner so that the propensity for communications to break down (and the application be ultimately abandoned and rejected in underwriting) is minimized to the greatest extent possible.

We review and comment on the business deal and economic impact of all contracts pertaining to all materially-significant consultants, services providers, vendors and contractors involved in the project development program to help ensure these proposed negotiations end with contracts that will in fact have the highest possible propensity for meeting the commercial underwriting standards that will be applied to these matters.

We review and comment on all programs pertaining to the administrative reporting and management functions to help ensure the funding group is not exposed to the prospect of an administrative foreclosure that would dramatically reduce the funding source's ability to profit from the transaction (and therefore, result in an application rejection).

We provide specialized follow-on services for the pre-construction and construction phases of the development of a commercial-income producing property as this is where our strengths lie.

We provide free referrals to investment groups, funding sources, brokers and bankers for the proposed business based upon the unique issues of that business proposal and the funding product for which the sponsor is seeking funding participation.

Talk to us and learn about all of the solutions we offer to help with the entirety of the funding cycle.  Rainmaker Underwriting has the knowledge, tools and methodologies that can add real value to your business or project.


Why do projects fail to get funding approved?

Rainmaker has had extensive discussions through the years with clients who are seeking funding for their commercial income-producing property development and construction program, but have, so far failed to do so.  Rainmaker has also had extensive discussions with intermediaries, investment bankers, lenders, investors and underwriters to get their side of the story.  The interesting thing is that the same five (5) things seem to come up again and again that end up leading to a total failure.  Are you destined to fail?  Can you afford to take the risk of blowing out even a single funding source, knowing that source could be the one source you needed to succeed?  What can you do to avoid these terrible mistakes that always lead to a rejection?  Click here and learn more.

Rainmaker Underwriting, LLC can trace its history back all the way to 1989.  Incorporated in 1993, Rainmaker Marketing Corporation evolved over time into a full-service business to business consulting firm.  Rainmaker Marketing Corporation’s initial specialization was in issues and documentation needs corresponding to the capital funding cycle for commercial real estate development projects.  Our primary focus has always been senior housing and health care related properties with over 400 assignments completed in some 45 states.  Today, Rainmaker Underwriting, LLC serves all types of commercial income-producing property development program financing requests with a combination of feasibility studies, due diligence services, structured finance consulting and a focus on outsourced commercial underwriting review services.  Rainmaker Underwriting, LLC’s service area includes all of the continental United States, Canada, Mexico and the Caribbean Basin.


Email: clinton.lovell@gmail.com

Project Feasibility Studies, Commercial Real Estate Development Finance Consulting, Outsourced Underwriting Services, Due Diligence Documentation Services & Project Management Consulting

16215 Friar Circle, Spring, Texas 77379.

©Copyright 2015, Rainmaker Underwriting, LLC  All rights reserved.