A boutique business advisory firm.
BOAS Capital helps business owners understand their financial position, get their numbers in order, and make decisions with clarity. Our work covers business advisory, financial strategy, and business financing advisory.
We are not a bank and we do not lend money. We know from the inside how a bank analyzes a company, and we put that experience to work on your side, as your advisor.
We build long-term relationships. We work with you now and through the next stages of your business.
Two areas of work.
Business Consulting and Capital Advisory
We organize and analyze your business so you know where you stand and what makes sense.
- Financial advisory for businesses
- Cash flow analysis
- Debt analysis and structure
- Financial organization and readiness
- Banking and capital strategy
- Financing Strategy and Structuring before you approach an institution
- Review of financial statements and documentation
- Guidance through financial processes
Credit Analysis and Financing Coordination
When your business needs capital, we review the alternatives and prepare the way.
- Working capital
- Lines of credit
- Equipment and machinery
- SBA
- Refinancing
- Commercial real estate, through CommLoan
- Other business capital needs
We analyze, prepare, and structure. When it fits, we work with banks, lenders, and financial institutions to review alternatives. The decision to finance always belongs to the institution.
The transactions we typically work on start around $50,000. That is not a fixed minimum, and each program has its own criteria.
Simple, clear, and direct.
1. First conversation. We listen to what your business needs. There is no cost.
2. Analysis. We review your financial statements, cash flow, and debt.
3. Strategy. We explain which options make sense and why. If we move forward, you get a written explanation of how we work before any commitment.
4. Preparation and coordination. We organize your information and, when it fits, present the opportunity to the right institutions.
5. Ongoing guidance. We stay with you through the process and after it.
We treat your information as confidential. We use it only to analyze your situation and to talk with the institutions that fit.
Who you work with.
Aldo Elguera
Founder / Business Advisor, BOAS Capital
More than 20 years in banking, including commercial banking. Aldo works with business owners on financial analysis, commercial credit, working capital, lines of credit, equipment financing, business banking, and commercial real estate. He knows how a bank evaluates a company, and today he uses that experience for the client.
Every engagement gets his direct, personal attention.
A separate lane for commercial real estate.
BOAS Capital focuses on business advisory: financial analysis, strategy, preparation, and structuring. CommLoan focuses only on commercial real estate financing.
Many relationships start with BOAS. If a commercial real estate financing opportunity fits, Aldo may also act in his separate capacity as Director / Loan Originator of CommLoan, and that financing is coordinated and/or brokered through CommLoan.
In these transactions, the institution usually looks at DSCR, the relationship between the property’s income and the loan payment, used to see payment capacity.
We will always tell you clearly which role we are working in.
Real cases, shared with discretion.
Case 1. Owner-occupied commercial property
The challenge. A married couple wanted to buy the building where their business operates. He had a Social Security number. She had only an ITIN, no credit history, and her residency was in process.
The strategy. We analyzed both profiles and structured the purchase in the name of their LLC holding company. We prepared the information and coordinated with an allied bank.
The outcome. The bank financed the purchase with 20% down.
Case 2. Butcher shop with seasonal inventory
The challenge. The butcher shop needed a line to buy inventory for its busy season.
The strategy. We analyzed its cash flow and the projected use of the line, and structured the request on that basis.
The outcome. The financial institution provided a line matched to the shop’s cash flow and inventory cycle.
Case 3. Fleet replacement
The challenge. The client replaces its truck fleet every three years and needed an orderly way to do it.
The strategy. We analyzed the replacement cycle and coordinated an equipment line built around it.
The outcome. The institution provided an equipment line that follows the fleet replacement cycle.
In all three cases, the institution provided the financing. BOAS analyzed, structured, and coordinated. Every case is different. A prior situation does not predict an institution’s decision on a future one.
Close to the Hispanic business community. Open to every business owner.
We work in English and Spanish with the same technical depth. We know the reality of many Hispanic business owners well, their family companies, and the challenges they face when talking to a bank.
We also advise business owners of many backgrounds across the country. What we bring to each client is the same: clarity, judgment, and direct attention.
Who we work with
We work with CPAs, accountants, commercial realtors, commercial real estate brokers, mortgage professionals, bankers, business attorneys, business consultants, and other trusted advisors.
When your client needs financial analysis, strategy, or business financing advisory, BOAS can be one more resource for them. You remain their advisor. We add banking experience and support on the financial side.
We look for long-term, personal, and transparent relationships. We keep you informed to the extent the client authorizes.
We do not replace your relationship with the client. We complement it.
Let’s talk about your next step.
Tell us where your business is and where it wants to go. We will review it with you, with no commitment.
Frequently asked questions
How do you charge?
The first conversation has no cost. If we decide to move forward, we explain in writing how we work and how we charge before any commitment.
How long does the process take?
It depends on the institution and on your file. Once we review your situation, we can give you a clearer idea.
What documents do I need?
Usually financial statements, tax returns, and a personal financial statement. The exact list depends on the program and the institution.
Is BOAS Capital a bank or a lender?
No. We are a business advisory firm. We do not lend money. We analyze, prepare, and structure, and when it fits we work with financial institutions, which are the ones that provide the financing.
Who decides whether financing is approved?
The financial institution. Approval, rate, terms, and amount depend on its analysis and on your profile. Our job is to make sure your business arrives prepared and well presented.
How is commercial real estate financing different?
It runs in a separate lane. When it applies, it is coordinated and/or brokered through CommLoan, with Aldo acting as Director / Loan Originator. The rest of the advisory work stays with BOAS Capital.