OPSFI
Feasibility Studies
A lender doesn't fund a vision. It funds a defensible study.
Our Position
The study is not paperwork. It is the document the loan turns on.
Government-guaranteed lending runs on independent analysis. USDA requires a feasibility study from an independent qualified consultant before it guarantees a B&I loan over $1 million to a new business, and SBA lenders demand the same discipline on projection-based 7(a) and 504 deals. We prepare that analysis for projects across the United States: studies that test the economics, the market, the technology, the financials and the management team, and that are written to survive the reviewer, not to flatter the project.
Our independence is the product. We are not the sponsor, the contractor or the broker, and our conclusion does not depend on the loan closing. That is precisely why lenders and agencies can rely on what we write.
Excellence
We Deliver
Independent, Lender-Ready Analysis
Our Edge
We Move Fast
We are an AI-native team. We use extensive tooling to read market data, reconcile cost detail and stress-test projections at a depth a manual review runs out of hours to reach. Then senior practitioners review and sign off on every number, because a study read by a federal reviewer has to carry human judgment, not just computation.
Eligibility & Scope
Before any work begins we confirm the project actually fits the program: rural eligibility, use of proceeds, and whether a study is required at all. No one should pay for a study their loan doesn't need.
Data & Discovery
A structured request covering the site, the market, the management team and the financials. We work from source data and primary market evidence, not the sponsor's pitch deck.
Analysis & Modeling
We build the study across every required dimension, with projections sensitivity-tested against the coverage and equity thresholds the lender and the agency will apply.
Draft & Review
You and your lender review a draft for factual accuracy before anything is finalised. Our conclusions stay ours, that independence is what makes the study worth commissioning.
Final Study & Q&A
You receive a study written to be read by a credit committee and a federal reviewer. We stand behind it through underwriting, answering every question until the decision is made.
Clients
We Serve
USDA B&I · SBA 7(a) · SBA 504 · REAP · New construction · Expansions
Borrowers & Project Sponsors
Founders and sponsors financing new facilities, expansions and acquisitions with USDA or SBA guaranteed debt, from first eligibility check to approval.
USDA B&I Lenders
Banks, credit unions and CDFIs packaging B&I guarantee requests who need an independent study the state office will accept the first time.
SBA Lenders & CDCs
7(a) lenders and certified development companies underwriting startups, special-purpose properties and projection-based credit decisions.
Rural & Agribusiness Projects
Processing facilities, manufacturing, agribusiness and rural enterprises across the United States, where B&I eligibility and local market evidence decide the deal.
Special-Purpose Properties
Hotels, self-storage, RV parks, senior living and car washes, the asset classes where lenders demand a market study before they underwrite.
Energy & Infrastructure
Renewable energy and rural infrastructure projects, including REAP applications, where technical feasibility carries as much weight as the financials.
Get Started
Get the study your loan turns on.
Whether you are a borrower preparing an application or a lender packaging a guarantee request, talk to us before you submit. We will tell you whether a study is required, and what it will take to pass.
Discuss Your Project →