Decision in 60 seconds
One advisor. One lender. Every time.
I match you with one vetted lender — not a network.
Three quick questions — see where you stand.
0 of 3 answered
You’re a strong fit. Let’s talk.
This is most of who I work with — an operating business with a clear reason for the financing. I’ll match you with one vetted lender and stay on the call with you.
Possible fit — let’s talk it through.
A few details make the difference here, and I’d rather ask than guess. Tell me what’s going on and I’ll tell you plainly whether I can help or who can.
Not a fit yet — and here’s why.
Personal financing and pre-revenue startups aren’t where I can add the most value — I match established businesses with lenders, and I’d rather tell you that now than waste your time. If your situation changes, or you think I’ve got this wrong, call me directly.
I am not a bank or lender, do not make lending decisions or issue commitments, and do not guarantee approval.
Financing solutions
Start wherever your situation is — I’ll help you find the right one if you’re not sure.
Term Loans
A lump sum, fixed payments, matched to a lender who fits your business — not one running a promotion.
Line of Credit
Draw what you need, when you need it, and pay interest only on what you use.
SBA Loans
Federally guaranteed, better rates, a longer process — matched to the lender whose program fits your file.
MCA Consolidation
Stacked cash advances draining daily revenue? One structure, sized to what your business can actually carry.
Commercial Build
Ground-up construction or a major buildout, matched to a lender who's funded one like it before.
What happens next
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Tell me what's going on.
A short call or form — what the business needs, what's already been tried, what hasn't worked.
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I match & vet.
I compare financing vehicles — working capital, SBA, commercial build, revenue-based — then pick exactly one lender for your situation. You get one warm introduction, not a stack of your information sold around.
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You talk to that lender directly.
I stay reachable if you have questions. No second lender without telling you first.
One lender, never a network
My policy is simple: I match you with one vetted lender at a time — not a list, not a network, not seventy-five companies calling your phone. I choose the lender I believe is the right fit for your business, and that’s who you talk to.
Here’s what I commit to, every time:
- I will never sell, rent, or share your information with data brokers, lead aggregators, or a network of lenders.
- I will never charge you a fee before your funding closes.
- I will never send you to a second lender without telling you first and getting your go-ahead.
- I will never guarantee an approval, a rate, or an outcome I can't actually deliver.
- I will never pressure you with a countdown, a "limited slots" claim, or a deadline that isn’t real.
I am not a bank or lender, do not make lending decisions or issue commitments, and do not guarantee approval.
Meet Michael
Michael Urrutia
Business Financing Advisor
Michael Urrutia has spent three years matching business owners nationwide with the one lender who actually fits. Based in Miami, he’s not a bank or lender — he makes introductions, nothing more.
Frequently asked questions
Is this a loan application?
No. It’s an introduction to one vetted lender. You apply directly with that lender, on their terms.
What if I'm not a fit?
I tell you that directly, instead of sending you to a lender anyway. Sometimes the honest answer is “not yet” or “not me — try this instead.”
How fast can this move?
As fast as you’re ready to start. Three steps, in order: tell me what’s going on, I match and vet one lender, then you talk to that lender directly. No queue, no network to wait behind — just those three steps.
Will you send my information to multiple lenders?
No. One lender at a time, chosen for fit. I won’t send you to a second lender without telling you first and getting your go-ahead.
What if I don't know which type of financing I need?
That’s normal — most people who call me haven’t decided yet. Tell me what’s going on and I’ll help you figure out which shape fits.
Written by Michael Urrutia Business Financing Advisor · Miami, FL · 3 years helping business owners secure financing · Last reviewed 2026-09-05
Ready to find out where you stand?
One short conversation. One vetted lender, if it’s a fit — and a straight answer if it isn’t.
Request my introduction
Request received
I’ll review your request and, if there’s a vetted lender that fits, reach out to make a direct introduction — usually within one business day.
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