HOW TO GET YOUR EXIT-PLANNING CLIENTS APPROVED FOR RESIDENTIAL MORTGAGES - BEFORE AND AFTER THE EXIT
Many of your clients face a frustrating reality: they can't qualify for a mortgage before the exit, and they can't qualify after it either. Pre-exit, years of smart tax minimization leave them looking income-poor on paper. Post-exit, the business income they built their life around disappears entirely, leaving lenders with nothing traditional to underwrite.
As a private wealth mortgage planner who specializes in exit-planning clients, I use two frameworks that shift the lens away from the tax return: cash flow-based lending and asset-based lending. You'll learn how reading actual business cash flow, or accumulated assets, opens doors that traditional lenders consistently close for your most successful clients.
Whether your client is pre-exit, recently transitioned, or actively building a real estate portfolio, you'll walk away with the language and frameworks to spot hidden mortgage opportunities and bring the right solution before a client ever hears an unnecessary no.
Learning Objectives:
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Recognize why traditional lending frameworks consistently fail exit-planning clients, both pre-exit and post-exit
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Integrate mortgage planning into the exit planning process as a proactive value-add, spotting opportunities before clients hit an unnecessary decline
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Distinguish between cash flow-based and asset-based lending frameworks, and identify which scenario each fits best
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Apply a lens for evaluating real estate financing readiness that goes beyond tax returns and W-2 income
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Explain how real estate financing can be structured to protect a client's existing tax strategy and preserve invested assets
Event Details
Who Should Attend?
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Attorneys
You have close relationships with clients, and can benefit from being the first advisor to introduce the idea of exit planning.
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CPAs/Accountants
Owners participating in the State of Owner Readiness research continue to indicate that you are the No. 1 "Most Trusted Advisor." You are a natural fit to lead the exit planning team and deepen your relationship (and retention) of next generation owners.
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Wealth Managers
You’re a skilled relationship person. Being entangled into your clients’ professional lives matters as you build a strategy to manage their wealth upon them harvesting it from their business. Exit planning allows you to build a deeper relationship with your client, expands your COI network, while giving you an early seat at table well before the liquidity event.
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Financial Advisors
One of the critical ‘legs of the stool’ is personal financing planning. An owner must have a strong financial plan & contingency plan post-transition to enable them to thrive in the next act of the lives personally and financially. Exit planning brings this future mindset into the present. Exit is now.
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Investment Bankers
Only 2 of every 10 businesses that come to market actually sell. Learn how exit planning can bring attractive AND ready business to your purview.
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Valuation Analysts
Valuation is both a billable engagement AND an opportunity to provide owners some perspective on how to accelerate value drivers (and deal with value killers). Use exit planning to make that valuation into a longer term value acceleration engagement.
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Estate Planners
Exit planning is a natural fit for estate planners who want to operate more holistically with their owner clients.
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Insurance Professionals
Exit planning addresses the 5 D's. So do you. Approach the risk conversation differently with exit planning.
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Strategic Consultants
One of the most critical roles in exit planning is building transferable value. Strategic consultants have the ability to expand options and drive rapid business value that affect performance today.
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Mergers & Acquisition Advisors
Proper exit planning causes less deals to fall through at the last minute. Connect with CEPAs to build your healthy deal flow network.
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Family Business Advisors
More than 50% of lower middle market business owners would prefer to transition to the next generation. Help them succeed with exit planning strategies.
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Commercial Lenders
One of the best relationships a business owner makes is with their banker. How can you help your corporate clients think about the future and ensure financial continuity? Answer: exit planning.
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Other Professional Advisors
Regardless of your unique specialty, there is seat at the exit planning table for you. Learn more at www.EarnCEPA.com.
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Members of Family Business Boards
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Private Business Owners
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Business Owners
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Other Business Professionals
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Business Consultants
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Professional Advisors
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Business Owners & Their Trusted Advisors
EXIT PLANNING IS GOOD BUSINESS STRATEGY
The Exit Planning Institute, provides Financial Advisors, Accountants, Consultants, and other advisors of business owners with the critical education to differentiate themselves and add value to their existing client relationships through a credential, conference, courses, and content. Download the CEPA brochure for more information.
ABOUT THE PRESENTER
Max Lloyd is a Private Wealth Mortgage Banker who helps entrepreneurs and business owners qualify for real estate using cash flow and asset-based strategies, not tax returns. He specializes in the exact gap exit-planning clients face: qualifying pre-exit, when income looks minimized on paper, and post-exit, when it disappears entirely. Max partners with CEPAs, Financial Advisors, M&A advisors, and CPAs to bring mortgage planning into the exit strategy conversation.