Business borrowing structures
Plan partner loans, founder loans, supplier terms, client advances, invoice bridges, equipment financing, acquisition notes, and other purpose-specific capital.
Talk to an advisor
Build an IOU structure that works in the real world.
Carlos Rodriguez helps individuals and companies turn informal borrowing into clear, workable structures with defined terms, cash-flow plans, controls, and records that can be reviewed by the right professionals.
Request an advisor conversationPractical advisory support
Designed for B2B finance, with P2P clarity.
Carlos can help map the agreement, the money, and the reporting around it. The work is educational and operational: it helps clients prepare better questions and cleaner records for their attorney, CPA, tax adviser, lender, board, or business partner.
Cash-flow and funding plans
Connect principal, interest, payment timing, reserves, receivables, inventory, payroll, taxes, and downside scenarios in one operating view.
Controls and reporting
Set up approval paths, document packs, payment ledgers, reconciliations, reporting cadence, exception handling, and lender communications.
Family, friends, and P2P
Translate personal trust into clear borrower and lender expectations with a note, repayment plan, balance tracking, and respectful communication.
Tax-ready organization
Separate principal, interest, fees, advances, contributions, and reimbursements so a qualified tax professional can review the transaction efficiently.
Professional handoff
Prepare an organized question list and transaction pack for legal, tax, accounting, securities, lending, and compliance review.
Accounting and finance workflows
Works with the tools your team already uses.
Carlos can work from exports, reports, and workflows in major accounting, finance, invoicing, payroll, and spreadsheet platforms. Tool familiarity is not the same as certification or endorsement, so confirm any required credential or integration before engaging.
Start with the situation
Tell Carlos what you are trying to structure.
The form helps route the first conversation. Share enough context to identify the use case, not confidential account numbers, passwords, or sensitive personal documents.