Our policies are transparent and accessible. Please review them before subscribing.
1. Business Capital Blueprint is an educational platform, not a registered investment advisor, broker-dealer, or lender.
2. Automated outputs do not receive individual professional review and do not constitute accounting, tax, legal, or investment advice.
3. We do not guarantee financing approval, investor interest, lender acceptance, or any specific business outcome.
4. The Capital Readiness Assessment measures preparation only — it does not predict whether you will receive financing.
5. We may have commercial relationships with third-party service providers. These relationships do not influence our assessment scoring or tool calculations.
6. All financial figures in reports are labeled Actual, Assumption, or Projection based on the data you provide. You are responsible for verifying the accuracy of your inputs.
7. The BCB Transaction Hub is a monthly accounting service: it categorizes and reconciles the client's bank and card transactions and produces management reports and statements from the client's own documents, without verifying them. It is not an audit, review or compilation, provides no assurance or opinion on any financial statement, and does not include tax returns, payroll or paying bills. Lenders, sureties and banks may require statements reviewed or audited by an independent CPA firm.
8. We are not an underwriter, lender, insurer, or credit provider. We do not underwrite, price, or approve credit, loans, or insurance. The Capital Readiness Analysis is an advisory review of your readiness for a lender or investor conversation, not an underwriting decision or an offer of credit.
9. The CPA credential is stated solely for professional identification. On this platform, José Javier Pagán-Ortiz acts exclusively as a capital-readiness advisor and consultant, not as a Certified Public Accountant. Business Capital Blueprint does not provide public accounting, audit, attestation, or tax services, and is not a CPA firm.