1099Bankers | Doug Bowman | Middle-Market Banking for Growing Businesses

The line most businesses never see

You've Outgrown Small-Business Banking

Banks split customers into small business, middle market and corporate. I've banked every one of those tiers. Each has its own bankers, credit process and pricing. Most owners never see the lines, or notice when they've crossed one. On the other side, financing stops coming off the rack. Structure, terms and pricing get built around your business.

Moving up isn't about beating up your current bank on rate. It's knowing which lenders want your deal and giving their credit committee what it needs to say yes.

I've banked nearly every ownership structure and exit plan out there.

Doug Bowman

Founder, 1099Bankers

Former Charlotte Market President, United Community Bank. 20+ years in commercial banking, including BB&T, Fifth Third, HSBC and FNB. MBA, Wake Forest.

Based in Charlotte, the second largest banking center in the U.S. Working with businesses nationwide.

Nobody interviews their banker. You should.

RESUME →LINKEDIN →

Let me do the heavy lifting.

Think of me as a 1099 hire for your banking. You run your business. I handle the financing. Call me again when the next deal comes along.

WATCH · WHAT IS A 1099 BANKER? →

Paid by you, not the lender.

No lender affiliation. No lender compensation. My only job is a better outcome for your business.

WATCH · WHAT A BANKER REALLY DOES →

What changes

How I Improve the Outcome

Right lender

Lenders whose current appetite fits your business and your request. Appetite shifts, and I track it.

Better preparation

Your business presented the way the credit officer needs to see it, before anyone says no.

Competition

A competitive process shifts the leverage to you and reveals the true range of value.

Better terms

Loan amount, amortization, guarantees, covenants, prepayment and flexibility. Rate is one line of many.

From my banking days

Plastics recycler, $10M in revenue.

A small line of credit, a lien on everything, and a stack of equipment loans. We rolled the equipment debt into one right-sized term loan and added a line that grew with their receivables and inventory. Cash tied up in the business went back to work. The owner got control back. Their financing went from a constraint to a competitive advantage. They kept that structure until they sold the company ten years later. Along the way, I moved them to audited financials. Another investment, not an expense.

READ · WHY ONE BANK'S “EH” IS ANOTHER BANK'S “HELL YEAH” →WATCH · WHY YOUR BANK ACTUALLY WANTS ME IN THE ROOM →

Services & Pricing

Choose the size of the job.

Consultation

FREE

Tell me what's going on and what you're trying to get done.

30-minute call
No commitment
Clear next step

EMAIL ME

Diagnostic

$1,000

A banker's second set of eyes on where you stand. Credited if you move up.

60-minute strategy session
How a bank sees your numbers today
Bank relationship review
Written action summary

START WITH AN EMAIL

Pitch Prep

$5,000

I prepare. You pitch.

Loan narrative
Financial analysis
Executive summary
Presentation coaching
Post-pitch debrief

START WITH AN EMAIL

Complete Engagement

$10,000

I run the process through closing on debt up to $5 million. Paid at closing.

Lender identification
Deal packaging
Competitive process
Negotiation to full lender commitment
Due diligence & closing

START WITH AN EMAIL

This is an investment, not an expense. Better financing pays you back every year until you sell the company. The Complete Engagement is paid at closing. Diagnostic and Pitch Prep are paid when the work is done.

Bigger or more complex deal? Email or call me. Fees scale with size and scope.

Time to Bank Bigger

My clients are buying a business, restricted by their bank, moving away from SBA debt, on their third banker in three years, landing contracts bigger than their credit line, wondering how their competitors grow so fast, buying out a partner or told no and never told why.

You've Outgrown Small-Business Banking

Doug Bowman

Let me do the heavy lifting.

Paid by you, not the lender.

How I Improve the Outcome

Right lender

Better preparation

Competition

Better terms

Plastics recycler, $10M in revenue.

Choose the size of the job.

Consultation

Diagnostic

Pitch Prep

Complete Engagement

Go deeper if you want to.

What is a 1099 Banker?

Why Your Bank Said No

Why Your Bank Actually Wants Us in the Room

Let's talk about your next financing.