Start2Finish — Bank Prep

1. Contractor Snapshot

Business Name: Start2Finish LLC (Start2Finish Contracting)

Owner: Deante “Boo Brady” Culvert

Region: Hammond, Alexandria & surrounding Louisiana markets

Core Work (Full-House Contractor):

• Complete home renovation — floors, paint, trim, bathrooms, kitchens and interior finish-out.
• Exterior upgrades — brick refinishing/painting, doors, curb-appeal improvements.
• Recessed lighting packages (30–40 lights per home) and fixture installation.
• Coordination of electrical device upgrades (outlets, switches, fans/lights) with Square Bidness Tech Lab.
• Support contractor for Square Bidness HQ1, HQ2, and Tech Lab expansion projects.

“Start2Finish LLC is a full-house contractor — from demo to finished brick, floors, paint, lights and trim. Square Bidness Tech Lab plugs in on the electrical and tech side.” Square Bidness Tech Lab

2. DSCR Loan — What Brady Needs to Know

DSCR loans are based on project and rental cash flow — not just personal income. Banks want to see that the work Start2Finish does can comfortably cover the note.

DSCR Formula:

Monthly Cash Flow ÷ Monthly Loan Payment

• 1.00 = break even
• 1.10 = bank friendly starting point
• 1.25+ = strong, safer for the lender

Why Start2Finish is worth a DSCR conversation:

• Full-house renovation in progress on a 2,700 sq ft home: all floors replaced, carpet removed from bathrooms, all walls painted, exterior brick painted white.
• Electrical upgrades and recessed lighting projects through Square Bidness HQ1, HQ2 and future builds.
• Completed project: 34 recessed lights installed at Square Bidness HQ1.
• Upcoming recessed-light package: 30–40 lights at the current Alexandria home.
• Ongoing pipeline of improvement work for Square Bidness Tech Lab and community clients.

3. Bank Narrative (What Brady Says)

“My name is Deante Culvert, owner of Start2Finish LLC. We’re a full-house contractor — we handle floors, paint, brick, trim and lighting from start to finish. On my current project, a 2,700 square foot home in Alexandria, we’ve replaced all flooring, removed old carpet from the bathrooms, repainted every wall and painted the exterior brick white.

Start2Finish is also the preferred contractor for Square Bidness Apparel and Square Bidness Tech Lab. I completed a 34-light recessed package at Square Bidness HQ1 and we’re preparing a 30–40 light recessed package at this current property, with electrical coordination handled by Square Bidness Tech Lab.

I’m applying for financing to scale Start2Finish with better equipment and working capital so we can take on more of these full-house projects. The active renovations and recessed-light packages provide the cash flow needed to support a DSCR-style loan.”

4. What We’ll Need Later (Brady’s Checklist)

This is what you put in front of him when he asks: “What do I need for the bank?”

• ✔ Before/after pictures from the Alexandria house (floors, walls, exterior brick, lights).
• ✔ Recessed-light plan: room list + light count for each project.
• ✔ List of tools & equipment he already owns (and what he wants to add with funding).
• ✔ Short list of upcoming jobs or clients he knows are in the pipeline.
• ✔ Simple price sheet for: full-house remodel, recessed-light package, and “electrical clean-up” package.
• ✔ Start2Finish business summary (this page feeds that document).
• ✔ Rough yearly revenue goal and monthly target (he just picks realistic numbers).

“Brady doesn’t have to be computer-savvy — the structure lives in SB Tech Lab. He just has to keep doing the work and show up honest at the bank.” Internal guidance for Start2Finish + Square Bidness

5. What I’ll Build When You Say “Run Packet”

When Marcus says “run packet,” SB Tech Lab will generate:

• ✔ Contractor overview PDF for Start2Finish LLC.
• ✔ DSCR explainer PDF Brady can hand to a banker.
• ✔ Recessed-light package sheet (30–40 lights) with photos and pricing.
• ✔ Electrical + lighting portfolio spread (HQ1, HQ2, Alexandria house).
• ✔ Project pages: HQ1 (34 lights) and HQ2 progress snapshots.
• ✔ Tools & equipment request list tied to loan amount.
• ✔ “Dear Lender” letter that explains the partnership with Square Bidness Tech Lab.
• ✔ Simple projected cash flow table based on realistic job count.