How do your long-term consulting engagements work?

Our long-term consulting engagements provide ongoing financial guidance and support through monthly or quarterly retainer agreements. This includes regular, scheduled financial reviews, strategic planning sessions, business building support, and cash flow monitoring. You get access to our expertise and professional service network when you need them.

Get Your Small Business Loan-Ready Faster

Our Services

Comprehensive financial solutions tailored to your business needs, including:

Small Business Loan Structuring

Our comprehensive loan packages help expedite the lending process for small business owners, and our expertise helps structure your request to get to a "Yes" quicker.

CFO Support Services

We serve either as your outsourced CFO or as a partner to your company's CFO. We provide financial reporting, budget oversight, cash flow forecasting, and decision-making support. Whether you're navigating growth or looking for more visibility in your financials, our CFO support brings clarity and confidence to your business.

Financial Advising

Optimize your financial operations with expert analysis and actionable strategies. We help you improve cash flow, reduce costs, and maximize profitability.

Underwriting Support

Interval Consulting works with banking and investment partners to help perform due diligence and underwriting for incoming financing requests to help with the credit approval process.

Business Start-Up Support

Launch your business with confidence. From business planning and financial projections to initial funding strategies, we guide you through every crucial step.

Meet the Owner

Michael Montgomery

I founded Interval Consulting to help build confidence in business owners and address a need for financial advisory services in small businesses. With a background in business banking and accounting, I have seen firsthand what it takes to get a loan approved — and what it takes to build a business worth financing.

I have helped clients secure funding, sharpen their financials, and help them understand financial topics so they feel more comfortable running their business. Whether you're just starting out or looking to add more locations, I am committed to working alongside you through every interval!

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Frequently Asked Questions

Get answers to common questions about our small business consulting services

What types of businesses do you typically work with?

We specialize in working with small businesses across various industries including retail, service-based businesses, restaurants, and professional services. We tailor our consulting approach to your specific business model and unique industry challenges. Our experience spans businesses from pre-revenue startups to established, multiple location companies.

How long does the loan structuring process typically take?

The loan structuring process typically takes 2-3 weeks for active, engaged clients. We work efficiently to compile comprehensive loan packages that show what bankers like to see and help expedite bank approval timelines.

What documents do I need to provide for loan structuring services?

Typical documents include: tax returns (both business and personal for the last 2-3 years), current financial statements (profit & loss, balance sheet), business plan, cash flow projections, and personal financial statement. During our initial consultation, we'll tailor our approach to your business's financing needs.

Do you work with startups or only established businesses?

We work with both! Whether you're launching a new business or looking to grow an established company, we provide tailored financial consulting services. For startups, we offer business planning, financial projections, and initial funding strategies. For established businesses, we focus on growth strategies, loan structuring, and operational improvement.

How do your CFO Support Services work?

Our CFO support services provide ongoing financial guidance for businesses that are preparing for lending. This includes cash flow forecasting, realistic financial projections, and financial monitoring focused on sales trends and creeping expenses to build a profitable, bankable business.

What makes Interval Consulting different?

We are located in Minnesota and come from business banking backgrounds. We know what makes a good loan request, because we have received loan approvals from loan committees, sometimes even funding multiple rounds of financing. Sometimes we have received loan approvals after working on improving a business's financial performance over time. Whether you are looking for financing or financial improvement, we have been there.

What Our Clients Say

Interval Consulting spent time looking through my P&L and gave me guidance on scaling my company. He gave me timelines on when I should make my next few hires, what responsibilities these positions should have, as well as a range that I could realistically pay them and still turn a profit. The guidance I got from Michael is extremely valuable, and he got it done quickly!

Greg Matson

Owner and Principal, StackSafe LLC

We used Michael with Interval Consulting for loan structuring and packaging on our biggest deal to date. Everything was done well within the expected timeframes and budget. I'm positive without Michael's help we wouldn't have gotten this deal done and it certainly wouldn't have been as favorable for us. He was great to work with and we will be using him again.

Isaac Mosher

Mosher Trucking & Excavating

Greg Matson, Owner and Principal, StackSafe LLC: Interval Consulting spent time looking through my P&L and gave me guidance on scaling my company. He gave me timelines on when I should make my next few hires, what responsibilities these positions should have, as well as a range that I could realistically pay them and still turn a profit. The guidance I got from Michael is extremely valuable, and he got it done quickly!

Isaac Mosher, Mosher Trucking & Excavating: We used Michael with Interval Consulting for loan structuring and packaging on our biggest deal to date. Everything was done well within the expected timeframes and budget. I'm positive without Michael's help we wouldn't have gotten this deal done and it certainly wouldn't have been as favorable for us. He was great to work with and we will be using him again.

Strategic Financial Guidance for Small Business