Get a Written Funding Plan for Your Deal in 5 Business Days
Business Capital and Property Financing, Mapped and Sequenced Before You Apply
Apply for Your Funding PlanA few questions about your deal, then you pick a time for your strategy call. David reviews every file personally.
- Written plan before any application
- You sign off on every submission
- Property-loan credit pulls protected first
You Found the Deal. Where Is the Money Coming From?
You have an opportunity in front of you, and you don't know where the money is going to come from.
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You've tried the bank, the hard money lender, the online lender, the broker. Each one wanted something different. None of them looked at the whole deal.
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Every application pulls your credit. Every "send us one more document" eats another week.
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You applied in the wrong order. One application quietly hurt the next one.
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You're about to put your own cash into the deal and leave yourself nothing in reserve when the rehab runs long.
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And the date doesn't move. The closing. The rehab draw. The contractor payment. The refinance. The decision on the inherited property.
Your deal is fine. The money needs a plan, with every application in the right order.
That's a sequence problem, and it's solvable.
Send What You Have. I Build the File
Statements, entity documents, the deal numbers: send them as they are. I'm an accountant, so I read them the way a lender will, organize them into one lender-ready file, and tell you exactly what's missing. You make the decisions. I handle the file.
I Read a Funding Request the Way an Underwriter Does
I'm David Kernizan, founder of Maxon Capital, the capital advisory division of Maxon & Co., my accounting firm. I've spent more than a decade in accounting. When I look at a deal, I see what a lender sees: the credit, the debt, the cash, the entity, the documents, and whether the numbers support the ask.
I learned this on my own family's deals. I helped secure capital for our family business. Then I worked through the financing on our conversion of a two-family property toward four units, including a HELOC to reinvest in the project.
Which capital fits which part of the deal. What order to apply in. What each choice does to the cash you keep. Most investors figure that out after the credit pulls and the declines.
The Liquid Capital Blueprint is that plan, built on your actual profile, before anything gets submitted in your name.
David KernizanFounder, Maxon Capital
What You Get in The Liquid Capital Blueprint
Steps 2 through 4 arrive as your written plan. Then I run the plan with you, through to funding.
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Strategy Call: What Your Deal Needs
- A 1-on-1 working session on your deal
- What the money is for, and the exact gap
- Your real deadline, the cash you want to keep, and the payment you can carry
You know exactly what you're solving for, in writing.
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Readiness Review: What a Lender Will See Written plan
- A written review of your credit, debt, cash, revenue, entity, and documents
- A readiness score
- One list of what's missing, so nothing gets asked for twice
You see your file the way a lender will, before a lender sees it.
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Which Money Pays for Which Part of the Deal Written plan
- What the property loan should cover
- What business capital should cover: credit lines, term loans, working capital, equipment financing
- A short list of lenders that fit
You apply only to lenders that fit your deal.
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Your Application Order, With Backups Written plan
- What to apply for, and in what order
- A backup if a lender says no or approves less
- Decision dates counted back from your deadline
Each application protects the next one.
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Applications Handled With You
- Your documents organized into one lender-ready package
- You see and sign off on every application first
- Lender follow-up and document requests handled with you
You get every lender update in one place.
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Side-by-Side Offers, Through to Funding
- Every offer compared: cash you receive, fees, term, personal guarantees, monthly payment
- Support through acceptance and the lender's final requests
- Coordination until the money is in your account
You choose based on the cash you keep after closing.
Also Included With Every File
Denial Diagnosis and Re-Entry Plan
A written diagnosis and a corrected path after any decline or short approval.
Closing-Date Countdown Plan
A schedule counted back from your real deadline that drops any product that can't fund in time.
Close on Time With Cash Still in Reserve
Picture closing day. The property loan funded. The rehab money is lined up. And there's still cash in your account for whatever the contractor finds behind the wall.
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Two Layers of Capital, Mapped Together
Property loans pay for the property: hard money, DSCR, bridge, HELOC. Business capital can cover other parts of the project: credit lines, term loans, working capital, equipment. Together they can cover a gap neither covers alone.
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The Order Protects Your Credit
Every inquiry and new account changes what the next lender sees. Your plan protects the property-loan credit pulls first and has the backup ready before you need it.
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Decisions Based on Cash You Keep
Net proceeds, monthly payments, and the reserve left after closing show the real cost of every option.
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Clean Files, Full Disclosure
Every lender sees an organized, honest file. Maxon Capital never structures around a lender's disclosure or use-of-proceeds rules.
Three Promises, in Writing
Your Plan in 5 Business Days
Once your file is complete, your Readiness Review, money map, and application order arrive in writing within that window. If I miss it, your Blueprint Fee is refunded in full.
Paid on Capital You Receive
My success fee is earned only on capital that funds, that you accept, and that you receive. Your upfront Blueprint Fee is credited in full against it.
You Sign Off on Every Application
Nothing gets submitted in your name until you've seen that specific application and approved it in writing.
Lenders make all approval, pricing, and funding decisions. Maxon Capital cannot guarantee an approval, rate, amount, product, or closing date. What I control is preparation, product fit, and sequence.
Third-party fees such as appraisal, legal, title, and lender fees are separate and disclosed up front. Full fee terms are reviewed with you in writing before you commit.
Built for One Kind of Investor
Saying no to the wrong fit is how every file gets the attention it needs.
This Is for You If
- You have a real property, deal, or opportunity in front of you right now.
- There's a real date attached: a closing, a rehab draw, a contractor payment, a refinance, a decision on an inherited property.
- You want to keep cash in reserve instead of pouring all of it into one deal.
- You can share real numbers and make decisions quickly.
- You want a written plan before you apply anywhere.
This Is Not for You If
- You don't have a specific property or deal yet and you're just exploring.
- You're looking for a guaranteed approval or money with no review.
- You want someone to apply in your name without showing you first.
- You'd rather not share your real credit, debt, or bank statements.
- You want to use capital in ways you'd keep from a lender.
Have a Real Deal and a Real Deadline?
Tell me about your deal so I can see if it fits. Five business days after your file is complete, you have a written plan: what to apply for, in what order, and what to do if a lender says no.
A few questions about your deal, then you pick a time for your strategy call. David reviews every file personally.
Questions Investors Ask First
Your written plan comes first. After that, timing depends on the product, the lender, the deal, and how fast documents come in. No approval or closing timeline is guaranteed, so the plan is built backward from your real deadline and drops anything that can't fund in time.
They vary by lender and product. Credit is weighed alongside business revenue, cash on hand, existing debt, your entity, the property's numbers, experience, collateral, and the overall strength of the request. The Readiness Review shows you where you stand before anything is submitted.
The current focus includes business lines of credit, promotional business credit, term loans, working capital, equipment financing, revenue-based financing, and SBA financing where appropriate and permitted. Real estate loans are considered too when they're the better tool, or work best alongside business capital.
No. What matters is a real property, deal, or opportunity and a realistic path to qualifying. That includes owners of inherited or underused property with a decision to make.
Usually personal and business financial information, bank statements, entity documents, ID, debt details, and property or project details. Send what you have. I organize it into one lender-ready file and tell you exactly what's missing.
Applying yourself starts with a lender. The Liquid Capital Blueprint starts with your deal: what the money is for, your profile, and your deadline. Then it matches the right kinds of capital and sets the application order, because one wrong application can hurt the next. You keep the written plan either way.
You answer a few questions about your deal, then pick a time for your strategy call. David reviews your application before the call and flags anything missing. Bring the address, the numbers, and the date you need the money. We discuss investment on the call once we confirm fit.
No. Lenders make all approval, pricing, and funding decisions. Maxon Capital cannot guarantee a specific approval, amount, rate, product, or closing date. What you are promised is the written plan on time, and that nothing goes out in your name without your sign-off.
Directly. David Kernizan personally runs every file, which is why the number of active files is capped. When they're full, new files go on a waitlist until one funds.
Protecting both is the reason the application order exists. Property-loan credit pulls are protected first, every application is timed on purpose, and nothing is submitted without your written sign-off.
Often, yes. A decline usually has a reason you can read in the file: timing, existing balances, documentation, or the wrong product. The Denial Diagnosis and Re-Entry Plan, included with every file, puts that reason in writing and lays out a corrected path.
There's an upfront Blueprint Fee for the written plan, credited in full against a success fee that's earned only on capital that funds, that you accept, and that you receive. We discuss investment on the call once we confirm fit, and every term is in writing before you commit.