What are Decolonized Tactics?

Decolonized Tactics are how King's Dream advises neighborhood businesses. We start from how your business really earns and what your community values, then translate that into what lenders and investors require and connect you to funders built for neighborhood businesses: community lenders, revolving loan funds, microloans and grants.

What will we do together before I apply?

We review your financials, build your projections and plan, and learn the lender's requirements with you, so you apply prepared.

Projects start at $2,500. Your exact price is fixed in a written proposal before you pay anything. If a project is more than you need right now, a monthly Financial Review & Remedies is $400 a month.

You pay for the work in your proposal. We never take a percentage of what you raise, and referrals to lenders are free.

I was turned down before, or my credit needs work. Can you still help?

Yes. That is where many of our clients start. We look at what held the application back and build a plan to address it, so you know where you stand and what to do next.

How long does it take?

Most projects run one to three months, depending on the state of your books. Your proposal gives the timeline.

I already have a loan. Is this for me?

Yes. After-the-loan support covers cash flow tracking, lender reporting and growth planning.

Which monthly plan helps most before I apply?

Empowered. The review every two weeks and the cash flow plan show a lender how you manage money, and one bookkeeping add-on is included.

SOLUTIONS >

EXPAND · CAPITAL ACCESS CONSULTING

Get ready for funding. Then make the funding work.

CAPITAL ACCESS CONSULTING.

We help small business owners prepare for loans, investors, and alternative financing, and manage the money after it arrives.

Our Neighborhood Business Advisors do this at prices built for small budgets.

Book A Discovery

Free 30-minute call. No obligation.

Sound familiar?

"The lender asked for financial statements and projections I don’t have.”

“I was turned down and nobody told me why.”

“I don’t know which kind of funding fits my business.”

“I got the loan. Now the payments are squeezing my cash.”

How we help

Before you apply.

We review your financials, clean up your books, build your projections and business plan, and coach you on credit.

We help you choose the kind of funding that fits how your business earns money, and we learn the lender’s requirements with you before you apply.

While you apply.

We help you put the application package together, introduce you to lenders and funders that fit, and lay the offers side by side so you can see the true cost of each one.

After you’re funded.

We set up cash flow tracking, help with lender reporting, and build a growth plan so the payments fit your cash flow and the money goes where you planned.

DELIVERABLES

Financial Performance Analysis and Interventions

Cash Flow Remedies

Investor Relations

Accounting Initiatives

Lender and Funder Introductions

Alternative Financing

Financial Performance Analysis and Interventions. A plain-language review of your revenue, margins and debt, with the fixes that matter most to a lender.Cash Flow Remedies. A 12-month cash flow forecast that shows what payment your business can carry.Accounting Initiatives. Books and statements a lender can read: profit and loss, balance sheet, and the records behind them.Alternative Financing. Options beyond a conventional bank loan, such as revenue-based financing, revolving loan funds, microloans and grants.Investor Relations. A clear pitch, the numbers to back it up, and the updates investors expect after they commit.Deal Brokering. Introductions to lenders and funders that fit your business, and help comparing their terms.

Investment

Capital Access projects start at $2,500.

You pay for our work. We never take a percentage of the money you raise. Referrals to lenders are always free.

How we price

Your price is based on the value of the result and the work it takes. It is fixed in a written proposal before you pay anything.

A 50% deposit starts the work, and the rest is paid at milestones named in the proposal.

Our work in Tacoma

In a free City of Tacoma program for underserved business districts, we provided one-on-one coaching, credit coaching and financial workshops.

Source: Tacoma Business Revitalization Project Final Report, City of Tacoma Community and Economic Development.

"I really appreciate the time Jawan spent with me to help ensure my startup business was prepared, ready, and legal." - Josh Corbalis, Google review

The results

69 owners applied for consulting, and 27 more took part in workshops.

81.5% of those 69 businesses were minority-owned and 75.3% were female-owned.

41 of 85 business addresses were in low or very low economic opportunity areas.

96 referrals to the City of Tacoma micro-loan program and 6 to outside funding.

32 business growth plans delivered.

Participants' average credit score rose 40 points.

Our process

1. Discovery. A free 30-minute call about what you want to fund, how much you need, when you need it, and where your numbers stand today.

2. Proposal. A written scope with deliverables, a timeline and a fixed price.

3. Activation. You pay the deposit, share your documents, and we set the milestones together.

4. Delivery. We do the work with you, review it at each milestone, and hand it off with clear next steps.

Our Delivery Guarantee

Every deliverable in your proposal, by the date in your proposal, or we keep working at no extra charge until it is delivered.

Every milestone ends with a review, so you always know where your project stands.

FAQs

Conventional lenders and investors weigh collateral, credit history and personal networks, and generations of exclusion kept many owners of color and women owners from building them. The Federal Reserve's Small Business Credit Survey found that 13% of Black-owned firms that applied received all the financing they sought, compared with 40% of white-owned applicants. It is a structural barrier, not a failure of your business.

For lenders and partners

Referring an owner to us is free for you and for the borrower. You always decide who meets your requirements. We learn your qualifications, help owners prepare for them, and support those owners after the loan with cash flow tracking and reporting.

Partner With Us

Keep your numbers lender-ready

Not ready for a full project, or already funded? Start with Financial Review & Remedies at $400 a month: a monthly review of your profit and loss with recommendations, a one-page scorecard and a 30-minute review call.

Move to Empowered at $1,000 a month for a review every two weeks and a cash flow plan, with one add-on included. Add Bookkeeping so a lender sees clean statements.

Book A Discovery

See Monthly Plans