Before you decide.

Independent examination for established business owners before major commitments involving debt, assets, contracts, partners or capital.

Understand what must be true, what the business can support and what should be resolved before proceeding.

Discuss Your Commitment

Before You Commit

A Business Commitment Review may be appropriate when an established owner-operated business is preparing to:

Borrow significant capital.
Purchase equipment or another major asset.
Sign a substantial lease.
Buy a business or change its ownership.
Bring in a business partner.
Accept a major contract.
Add significant fixed costs.

Business Commitment Review

A Business Commitment Review examines one proposed commitment before the owner accepts it.

We identify what the commitment will require, what the expected return depends on, whether the business can carry it and what could happen if the plan falls short.

The review begins with the owner's business, objectives and actual decision.

What We Test

What the commitment requires
The assumptions behind the expected return
The business's capacity to carry the obligation
What happens under downside conditions
Operational dependencies and execution risks
Missing information that could change the decision

An Independent Owner-Side Perspective

Your specialists provide advice within their areas of expertise. A Business Commitment Review does not replace their work.

Second Perspective connects the financial, operating and decision questions so the owner can examine the commitment as a whole.

What You Will Receive

A clear definition of the proposed commitment
A financial and operating assumptions register
Base, downside and stress scenarios
Cash-flow and commitment-capacity analysis
A risk and missing-information register
Questions to resolve with the appropriate specialists
A written decision memorandum
A confidential review meeting

The memorandum explains what supports the commitment, what weakens it, what could materially undermine it and what should be resolved before the owner proceeds.

The final decision remains with the owner.

How It Works

1. Initial Conversation

We clarify the proposed commitment, its timing and whether a Business Commitment Review is appropriate.

2. Independent Examination

We review the relevant documents, assumptions, financial capacity, operating requirements and downside exposure.

3. Decision Review

You receive a written decision memorandum followed by a confidential meeting to examine the findings and unresolved questions.

Following the initial conversation, you receive a written engagement proposal confirming the commitment being reviewed, the information required, the scope of the work and the expected delivery date. Work begins only after the proposal is accepted.

Hector Faucompre

Founder

The Story Behind Second Perspective

Some decisions strengthened businesses.

Others created years of unintended consequences.

For fifteen years, I worked with owner-operated businesses through roles in investment services and commercial banking.

I reviewed businesses, financing requests, purchases and expansion plans. Behind each request was a larger decision that the owner would ultimately have to live with.

That led me to one question:

If the owner carries the consequences, who is helping them examine the decision itself?

That question became Second Perspective.

Start Here

Request a Private Conversation

If your business is approaching a consequential commitment, briefly describe the decision, its timing and what remains unresolved.

Please provide only a brief description. Do not submit confidential financial, tax, legal or personal information through this form. If a review appears appropriate, document-sharing arrangements will be confirmed separately.

Information submitted through this form will be used only to review and respond to your inquiry.