Scenario: Limited capacity, no follow-through
A CDFI receives a loan application from B-LLC, a small bakery operating weekday business hours. During underwriting, the CDFI identifies weak financial management practices, including incomplete records and commingled personal and business funds.
While the CDFI recognizes that improved bookkeeping would strengthen the borrower’s readiness, staff capacity constraints and a full pipeline of loan applications limit the ability to provide hands-on technical assistance. The borrower is advised to “improve accounting practices,” but no structured support, monitoring, or follow-up occurs—resulting in minimal progress and no measurable change.​​​​

Scenario: Structured technical assistance with measurable outcomes
Recognizing the need for targeted technical assistance, the CDFI engages Overwrite to support B-LLC. Overwrite conducts an initial assessment of the borrower’s financial operations and develops a customized technical assistance plan.
We recommend and implement appropriate bookkeeping software, support onboarding and setup, and provide ongoing, hands-on assistance through regular check-ins until the borrower demonstrates sustainable financial management practices.
Overwrite documents progress, outcomes, and key milestones, and reports back to the CDFI. These deliverables can be used to support TA grant reporting, strengthen future funding applications, and justify credit decisions such as loan approval, interest rate concessions, or expanded access to capital.