Build the Business
Clarify your offer, ideal client, pricing, revenue model, operations, and growth priorities.
HER CAPITAL BENCH™ · ONE PRIVATE COACHING PROGRAM
WOMAN-OWNED BUSINESSBusiness Coaching & Capital Readiness for Women Business Owners.
Strengthen your business strategy, operations, revenue, and business-credit readiness—so your company is better prepared to approach an SBA-approved or other third-party lender with confidence.
Build the businessBuild business creditPrepare for capital
ONE COACHING JOURNEY · THREE CONNECTED OUTCOMES
A capital-ready business
starts with a stronger business.
We connect business growth, credit readiness, and capital preparation in one focused coaching experience. You leave with a clearer company, stronger financial organization, and a practical plan for what comes next.
Build Business Credit
Strengthen the company foundation, financial separation, records, and business-credit readiness.
Prepare for Capital
Define the funding need, organize the documentation, and create a credible capital-readiness plan.
THE ONE FLAGSHIP PROGRAM
Her Capital Bench™
A 12-week private Business Growth, Credit & Capital Readiness Program for women who want to strengthen the company before pursuing its next level of growth.
Business Growth, Credit & Capital Readiness Program
What you receive
Apply for Her Capital Bench →- Business Growth, Credit & Capital Readiness Assessment
- Six private coaching sessions
- Customized business-growth roadmap
- Business-credit readiness checklist and action plan
- Capital documentation checklist and funding-purpose statement
- Final 90-day implementation roadmap
A stronger business foundation, a clearer credit-readiness plan, and an organized path toward pursuing capital.
WHAT WE BUILD TOGETHER
Know what to strengthen before you apply.
Capital should support a clear business purpose. Coaching helps you build the company behind the application and prepare to approach third-party providers with better organization and confidence.
Business Growth
Strengthen the strategy, offer, revenue model, systems, and execution plan behind the company.
Credit Readiness
Review the business foundation, understand the credit profile, and address readiness gaps.
Capital Readiness
Determine the amount and purpose of capital, organize key documents, and prepare the funding story.
YOUR 90-DAY READINESS ROADMAP
Move forward with a focused plan.
Identify the most important business, credit, and documentation priorities to address before pursuing outside capital.
Virtual Bench Advisors provides educational business coaching and readiness support. VBA is not a lender, credit-repair organization, or funding broker and does not provide legal, tax, accounting, or investment advice. Credit scores, approvals, rates, terms, and funding are determined by third-party providers and are not guaranteed.
TIMELY · SBA POLICY UPDATE
A larger combined SBA financing path. Start with readiness.
Effective July 4, 2026, eligible borrowers who obtain a 7(a) loan first may combine up to $5 million in 7(a) financing with up to $5 million in 504 financing. The combined amount can reach $10 million across two loans; it is not a new $10 million 7(a) loan. The policy applies across industries, subject to each program’s rules and lender approval.
Whether you need a first business line of credit or have a larger expansion in mind, begin with a clear use of funds, organized financial records, a review of your credit profile, and a realistic view of cash flow. Her Capital Bench helps you identify the gaps and build a plan before approaching a lender.
Source: U.S. Small Business Administration, May 18, 2026. This change does not guarantee eligibility or approval.
SPECIALTY TRACK · U.S. MANUFACTURING
Prepare your growth plan and funding story.
Manufacturers may need financing for equipment, facilities, working capital, and expansion. We help you organize the business case and understand how existing 7(a) and 504 options may fit. Eligible borrowers may now combine these programs under the SBA’s July 2026 policy; each loan still has its own requirements and approval process.
Reserve My Private Assessment ↓Virtual Bench Advisors is not affiliated with or endorsed by the U.S. Small Business Administration or any lender. This coaching does not guarantee eligibility, approval, terms, or funding.
WHO HER CAPITAL BENCH™ SERVES
For women business owners ready to build with intention.
This program is designed for women who want to strengthen the business behind the capital request—not chase quick funding without a plan.
THIS PROGRAM MAY FIT IF YOU ARE
- A woman launching, stabilizing, or growing a revenue-producing business
- Ready to improve strategy, operations, and revenue consistency
- Working to separate and strengthen your business financial foundation
- Considering capital for a defined business-growth purpose
- Prepared to act on a focused 90-day plan
THIS PROGRAM IS NOT DESIGNED FOR
- Anyone seeking guaranteed approval or instant funding
- Someone looking only for credit repair
- An owner unwilling to organize business and financial records
- A business without a clear purpose for the capital it may pursue
- Someone seeking legal, tax, accounting, or investment advice
NICOLE DAVIS · FOUNDER, CEO & BUSINESS COACH
Strategic coaching for
the business behind the vision.
Nicole helps women business owners connect growth strategy, business structure, credit readiness, and capital preparation—so their next move is supported by a stronger company.
Her Fortune 500 leadership and business-transformation experience brings structure, accountability, and practical execution to every coaching engagement.
— Nicole Davis, Founder & CEO | Business Coach & Strategic Advisor
Get My Readiness Assessment →QUESTIONS BEFORE YOU BEGIN
Clear expectations from the start.
The assessment identifies what is working, what needs attention, and whether Her Capital Bench fits your business.
Who does Virtual Bench Advisors primarily serve?
Her Capital Bench™ is designed primarily for women business owners who want to build stronger, creditworthy, capital-ready companies.
Are SBA loans limited to women-owned businesses or manufacturers?
No. Eligible small-business owners in many industries may pursue SBA 7(a), 504, Express, or Microloan financing. Manufacturers can select the manufacturing specialty track within the same readiness assessment used by every business owner.
Is Virtual Bench Advisors an SBA-approved lender?
No. VBA is an independent business-coaching and capital-readiness firm. We do not originate, approve, fund, guarantee, or service loans. We help owners strengthen their businesses, organize information, and prepare for conversations with SBA-approved or other third-party lenders.
Does Virtual Bench Advisors provide funding?
No. Funding decisions, rates, terms, eligibility, and approvals are determined exclusively by independent lenders and applicable loan programs.
Can a small business obtain $10 million in SBA financing?
Under the SBA policy effective July 4, 2026, eligible borrowers who receive a 7(a) loan first may combine up to $5 million in 7(a) financing with up to $5 million in 504 financing. This is a combined amount across two distinct programs, not a $10 million limit for one 7(a) loan. A participating lender determines eligibility and approval.
Does the program repair business credit?
No. The program helps you understand your business-credit profile, identify readiness gaps, organize next steps, and prepare questions for appropriate providers.
What happens during the assessment?
Nicole reviews your business model, operations, revenue, business-credit foundation, funding purpose, and documentation readiness. You receive focused priorities and recommended next steps.
YOUR FIRST STEP
Get your Business Growth, Credit & Capital Readiness Assessment.
Tell Nicole where the business stands, what you want to strengthen, and why capital may be part of the growth plan. Your assessment will identify priority gaps and the most important next actions.
After submitting, choose a convenient time for your private Zoom conversation.