# Cole Advisors

> Cole Advisors, LLC is a turnaround and management consulting firm focused on the difficult challenges faced by small and medium-sized companies across the United States. Based in St. Louis, Missouri, the firm serves as a "fractional business partner," typically working alongside the ownership team for about a year, to stabilize underperforming companies, resolve liquidity crises, and drive sustainable profitability.

## What we help with
- Turnaround consulting: cash flow shortfalls, liquidity crises, operational restructuring, declining profitability
- Bank and lender relationships: Special Assets Group (SAG) situations, forbearance deadlines, loan covenant issues, lender and investor negotiations, debt and balance sheet restructuring
- For bankers, attorneys and investors: SAG support, independent business reviews, maximizing collateral value, help selecting the right partner for formal resolution or exit
- Profitability and growth: financial reporting, analysis and modeling, cash flow management, revenue growth, business process planning
- Ownership transitions: exit and succession planning, ownership transition, mergers and acquisitions

## Who we work with
Business owners, CEOs, and leadership teams of small and medium-sized companies, and the bankers, attorneys, and investors who work with them. Industries include business and consumer services, financial services, healthcare, hospitality, manufacturing, not-for-profit, real estate, retail, and technology and communications. Clients are located throughout the United States.

## How we work
Listen, learn, advise, execute: we build an integrated plan with the client and then help carry it out with the client's staff. We do not publish client names or logos; discretion is part of the work.

## Pages
- [Home](https://coleadvisors.com/): business turnaround and management consulting; services, who we help, industries, contact
- [About Cole Advisors](https://coleadvisors.com/about.html): turnaround and management consulting firm working nationwide, based on Laclede's Landing in St. Louis
- [Business turnaround consulting](https://coleadvisors.com/turnaround-consulting.html): cash flow shortfalls, operational restructuring, turnaround plans and execution
- [Special Assets & lender negotiations](https://coleadvisors.com/special-assets-lender-negotiations.html): Special Assets Group (SAG) situations, forbearance deadlines, loan covenant issues, debt restructuring
- [Independent business reviews](https://coleadvisors.com/independent-business-reviews.html): for bankers, attorneys and investors; SAG support, maximizing collateral value
- [Profitability & growth consulting](https://coleadvisors.com/profitability-growth-consulting.html): financial reporting, cash flow, margins, revenue growth, exit and succession planning
- [Accessibility](https://coleadvisors.com/accessibility.html)
- [Privacy](https://coleadvisors.com/privacy.html)

## Questions answered on the site
- [What does a turnaround consultant do?](https://coleadvisors.com/turnaround-consulting.html#faq)
- [What is a Special Assets Group at a bank?](https://coleadvisors.com/special-assets-lender-negotiations.html#faq)
- [What is a forbearance agreement on a commercial loan?](https://coleadvisors.com/special-assets-lender-negotiations.html#faq)
- [What is an independent business review?](https://coleadvisors.com/independent-business-reviews.html)
- [Do you only work with companies in crisis?](https://coleadvisors.com/profitability-growth-consulting.html#faq)

## Contact
- Address: 712 N. Second St., Suite 301, St. Louis, MO 63102 (Laclede's Landing, downtown St. Louis)
- Phone: (314) 436-6250
- Email: mattison@coleadvisors.com
- Schedule a call: https://calendly.com/coleadvisors
- Contact form: https://coleadvisors.com/#contact
- LinkedIn: https://www.linkedin.com/company/coleadvisors

## Machine-readable files
- [Full knowledge base](https://coleadvisors.com/llms-full.txt)
- [Agent summary (JSON)](https://coleadvisors.com/agents.json)
- [Agent data (JSON)](https://coleadvisors.com/agent-info.json)
- [AI usage policy](https://coleadvisors.com/ai.txt)
- [XML sitemap](https://coleadvisors.com/sitemap.xml)

## Notes
Cole Advisors is not a law firm and does not provide legal advice; forbearance, covenant, and formal-proceeding questions belong with the client's attorney. FAQ answers on the site are general information. The site offers no public API and no automated booking; to engage, schedule a call or use the contact form.