Funding Readiness Score
Answer 8 quick questions about your business. We'll score you 1-100 and tell you exactly what to fix to qualify for better rates.
How long has your business been operating?
What is your average monthly revenue?
What's your personal FICO credit score?
Do you have a dedicated business bank account?
How would you describe your cash flow stability?
How much existing business debt do you carry?
Can you provide tax returns and bank statements?
What industry are you in?
Answer all 8 questions to see your score and roadmap.
How this calculator works
- 1
Each question maps to a real underwriting criterion lenders evaluate when reviewing applications.
- 2
We weight each answer by how much it actually moves an underwriter's decision in 2026.
- 3
Your roadmap surfaces the highest-impact gaps so you focus on what changes your approval odds most.
Numbers look good?
See what your business actually qualifies for. It won't impact your credit score.
Frequently asked questions
Is this an actual approval decision?▾
No. It's a directional readiness signal based on common underwriting criteria. Actual decisions depend on the specific lender and product.
Will this hurt my credit?▾
Not at all. This is a self-assessment with no credit pull. You can run it as many times as you want.
How accurate is the score?▾
Very directional. Businesses scoring 80+ typically qualify for SBA and prime products. Below 40, expect tougher terms or wait and rebuild.