An honest look at your business — like bloodwork, but for your numbers. Your grade, told to you first. Where the money is leaking: pricing, payroll, vendors, the menu, the debt. And a fix-it list you can start this week without borrowing a dollar. Cholov will never sell you money. Free.
Every file that ever crossed a funding desk got a grade: A+ paper at 28%, D− paper at 600%+. The sin was never the grading — it was the secret grading. Cholov turns the light on: your grade, A to D, told to you — to your face, first, without shame — with exactly what moves it, and the path to raise it.
Intention first — why do you want this business? Who is it for?
Personal life and the body — sleep, health, showing up. Asked gently.
To the business, the finances, the human capital — presence is a number too.
The core and the game plan — pricing, margins, product mix, vendor terms.
Cash rhythm, bookkeeping hygiene, the marketing pulse.
Debt service in daylight and a repayment plan that fits a living business.
The output: your grade · the map of where the work is · the operational plan first. Money is never named until the work is visible.
If the map reveals a stack — Dror unwinds it. If capital is truly the answer — and only then — Dvash raises it from your own people.
Yovell is a nonprofit. We take nothing from merchants, funders, or anyone else on your file.