Your business is in trouble.
There are more options than bankruptcy.
Most distressed business owners talk to a lawyer first. But the decisions made in the 6–12 months before filing determine everything. BankerBoy gives you the perspective bankers use internally — before the options run out.
What You Get
Everything your banker knows — available to you before the call.
The Banker's Playbook
What your lender is thinking — and what to say before the default notice arrives.
Distress Calculators
DSCR, cash runway, and bankruptcy cost — understand your numbers before anyone else does.
Workout Frameworks
Forbearance, loan modification, deed-in-lieu — the options your attorney won't mention.
1-on-1 Advisory
Direct access to Charlie for distressed situation analysis and lender negotiation strategy.
Direct access to a former banker
BankerBoy Advisory gives distressed business owners one-on-one access to Charlie — a former VP of Commercial Lending who has sat on both sides of the negotiating table. Get a frank assessment of your situation before anyone else gets involved.
- ✓Who this is for: owners with $250K–$10M in business debt
- ✓What you get: a candid banker's assessment + workout options
- ✓Not legal advice — the banker perspective before you hire a lawyer
The process
Free 20-min triage call
Tell Charlie what's happening. No prep needed.
Situation assessment
Charlie reviews your numbers and lender relationship.
Workout plan
Get a written plan with options your lender will actually accept.
Built by a banker, not a marketer.
Charlie Miles — VP, Commercial Lending, First Secure Community Bank
- 20+ years as a commercial banker — VP of Commercial Lending
- Expert in distressed loan workouts, SBA lending, and creditor negotiations
- The banker's perspective most business owners never get until it's too late
“I spent 20 years on the bank's side of the table. I watched business owners make preventable mistakes because nobody gave them the banking perspective in time. BankerBoy is the platform I wish had existed for every one of them.”
Get early access
Be the first to know when BankerBoy launches. Get the free Distress Signal Checklist — 12 warning signs your lender is already watching for.
No spam. One email when we launch.