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GET BETTER PREPARED BORROWERS:

Business

No matter if you're talking about new entrepreneurs or existing business owners, Pebble Plan increases the ability & readiness of your clients to present their business plans in a clear & concise manner that makes it easy to evaluate and make decisions with.

 

Our system will save you time on the front end by filtering out applicants that are not ready for lending yet, while preparing those that are to move forward quickly.  

 

If an existing borrower gets in trouble we provide a proactive way for you to reduce default risk and help them get back on-track without burdening your special assets team with loans that can be turned around through education & accountability.

WHAT WE HEAR FROM BANKERS / LENDERS:

After talking with hundreds of bankers from institutions of various sizes and perspectives, we have learned that depending on the bank or credit union's goals, they use our software & service differently.  We invite you to review some of the noteworthy things we have been told to see if the perspectives of these bankers resonate with you.

GROWTH & RECOVERY PLANNING IN ONE TOOL:

As we have seen from the past few years, most small businesses at not ready to adapt if their markets change quickly or their day-to-day operations get interrupted. 

There are dozens of risks beyond your borrowers control that can wreak havoc on their ability to run their business and meet their financial obligations.  Our recovery planning service gives lenders an affordable and easy to implement option that can help your small business clients turn things around before they get out of control and you have to take more severe actions.   

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While you can't keep bad things from happening, you can give your borrowers the tools needed to create a comprehensive plan that addresses both how they will grow in stable times, and how they will survive in tough times.  

 

Pebble Plan can be your first line of defense in preventing Passing loans from becoming Special Mention, and Special Mention loans form becoming Substandard.  Through the proper application of education,  accountability, and technology our system can help guide those troubled accounts that want to turn things around, back to profitability and a passing status.  When using our recovery planning service you get a detailed report that shows auditors & examiners the proactive steps you took to help your client correct their problems, and in doing so, reduce the risks in your portfolio. 

REDUCED RISK THROUGH EDUCATION

Pebble Plan was designed from the ground up to be educational; not just the curriculum, but the whole app has been designed to lead users from one learning to another.  The way questions are asked, the order they asked in, the options & limitations applied to answers, and the automated back-end data checks all work together to challenge assumptions while bringing the business that the user envisions into focus.  Once that business is in focus we help them stress test it in the software so they experiment less with customers.

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We use real numbers to reflect real-life problems they will have to solve, and help users get a realistic understanding of how much they are likely to earn or lose based on their operational choices.  We teach that financials flow from operations and that financial hopes without operational support are guesses, not goals.  We also provide built-in validation tools and help resources that make it easy for users to learn as they go, but if they do get stuck they can invite live help right away and get un-stuck so they keep making progress.

Operations Planning

  • Define work processes

  • Set correct expectations

  • Detailed risk analysis

  • Easy to edit & update

8 sections / 20+ subsections open  up assumptions and dig into how & why small business owners plan to run their day-to-day operations.

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Validation Tools

  • COGS

  • Pricing

  • Sales

  • Staffing

As we gather data and check for understanding we uncover what users know & don't know, then we give them the tools to fill in the gaps

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Financials

  • Last year

  • Current year

  • Next year

  • 5-year projected 

Our system teaches users how to  create & read a balance sheet, income statement, and cash flow statement, plus how they connect

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On-demand help

  • Built-in curriculum

  • Knowledge base

  • Outside resources

  • Live Help

Topic specific help is 1-click away on every page so users can keep making progress and don't feel intimidated and don't give up  

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COMMUNITY REINVESTMENT:

Entrepreneur education is both good for the community and it qualifies for CRA credit for banks.  The educational content inherent in our planning process can help banks plant seeds for future borrowers while also showing innovation in their CRA activities.

Our community accelerator and pre-launch planning programs can connect your community reinvestment activity with local or regional non-profits that provide hands-on business planning and small business training services to low to moderate income entrepreneurs.  We provide the technology and curriculum to keep everything orderly, efficient, and trackable..

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