Bottom Line Consultants is a community-minded organization that blends business lending principals of responsible credit risk with sound underwriting practices to foster positive community impact.

Business loan underwriting can feel daunting, but it doesn’t have to be.


It’s no secret - a combination of simple and logical credit policies and procedures along with team adoption and flexibility is what differentiates the more effective and efficient lenders from the rest.

We can help with that. Whether your organization is an emerging CDFI that offers microloans to businesses, a large, federally insured financial institution that invests in multi-million dollar commercial projects, or somewhere in between - let us share the responsibility and turn it into growth.

How We Help

  • Underwriting

    Business / Commercial underwriting services cover a broad range, from microloans that help entrepreneurs grow, to multi-million dollar commercial real estate investment projects.

  • Consulting

    We assist in the identification, implementation and adoption of sound business lending practices, which oftentimes is coupled with Credit Training to encourage early adoption.

  • Credit Training

    Credit Training

    Hands-on training, including tools tailored to your needs, will provide your team the skills to identify credit risk. Our approach allows your team to assess the Sources of Credit Repayment Strength.