See your business the way your bank does — before you apply.
We score your financials exactly like a credit committee, flag what would get you declined, and hand you the fixes — so you walk in already approvable.
A loan decision is a black box. You only find out after it's too late.
You spend weeks preparing, submit everything, then wait. The "no" arrives with no reason attached — and a rejection sits on your record while you guess what went wrong.
- ✕You don't know which number tripped the committee.
- ✕A decline can mark your file and make the next bank warier.
- ✕Brokers are paid when you borrow — so "you're not ready" is the one thing they won't tell you.
- ✕Hiring a full-time credit analyst for a one-off question makes no sense.
Three steps to knowing your verdict in advance.
Built to mirror a real bank's process — minus the wait and the mystery.
Share your numbers
Upload your last two years of financials and a short questionnaire. About 30 minutes of your time — no jargon required.
We underwrite you
A credit analyst scores you against the exact ratios, thresholds, and red flags a bank's committee uses to say yes or no.
You get the verdict
A plain-English report: your likely decision, every red flag, and the specific moves to fix each one — before you apply.
Fixed price. No retainer. No loans sold.
Pick the depth that fits where you are. Add to cart and check out — every assessment is delivered by a real credit analyst.
Red-Flag Scan
A fast pass over your financials to surface the deal-killers before you go further.
- Top red flags identified
- Go / not-yet verdict
- Delivered in 3 business days
Bank-Readiness Assessment
The complete credit-committee-style review of how a lender will see your business.
- Full credit readiness scorecard
- Every ratio vs the bank's thresholds
- Prioritized, plain-English fix-list
- Best-fit lender profile
Assessment + Strategy Call
Everything in the full assessment, plus a session to walk through your fixes and approach.
- Full Bank-Readiness Assessment
- 60-minute 1:1 strategy call
- Lender approach & sequencing
- Two weeks of follow-up questions
Not sure which fits? Start with the Red-Flag Scan — its fee comes off a full assessment if you upgrade within 30 days.
Your report, in the bank's language.
- 01Your readiness score & likely decisionWhere you'd land today: approve, conditional, or decline.
- 02Every ratio a committee checksYour numbers set against the thresholds banks actually use.
- 03The red flags that trigger a declineNamed specifically — not "improve your financials."
- 04A prioritized fix-listWhat to change first, and the impact each fix has on your odds.
- 05Your best-fit lender profileThe type of lender most likely to say yes to a business like yours.
We make money one way: telling you the truth.
We're not a broker and we don't arrange financing. We never earn a cent from any loan you take. A broker is paid when you borrow, so "you're not ready yet" is the one verdict they can't afford to give. We can — and sometimes that's exactly the advice that saves your application.
Straight answers.
Will you help me actually get the loan?+
No — and that's deliberate. We don't arrange loans or take lender commissions. We make you approvable; you or your banker take it from there. Staying out of the financing keeps our read on you honest.
What do you need from me?+
Two years of financial statements, your latest management accounts, and a 10-minute questionnaire about the business. That's enough to assess you the way a committee would.
How long does it take?+
The Red-Flag Scan is delivered in 3 business days. The full Bank-Readiness Assessment takes 5–7 business days.
My business is very new or pre-revenue. Is this for me?+
Start with the Red-Flag Scan. It'll tell you honestly whether you're close enough to apply or whether your time is better spent building the file first.
Is this financial or legal advice?+
No. It's an independent assessment of how a lender is likely to view your business, for your own planning. See the note below for the full picture.
Find out your verdict before the bank does.
Know exactly where you stand — and exactly what to fix — before a single application goes in.
Get your assessment