Know if you're ready — before you apply

See how your business reads to a lender right now — what they look for, the gaps holding you back, and the single fastest thing to fix this week. No credit pull.

What lenders actually look for

• Time in business — SBA 7(a) effectively needs 24+ months
• Owner credit — most banks want 680+ FICO
• Revenue — about $25K+/mo for meaningful 7(a) capacity
• Debt-service coverage (DSCR) around 1.25+
• No cash-advance stacking (2+ open MCAs is a near-automatic decline)
• Profitability — positive operating cash flow

Start an application

More readiness checks

• Are you ready to buy a home?
• Which credit cards will approve you?
• Can you afford that car?
• Are you on track to retire?
• Do you have enough life insurance?
• All readiness checks

A directional estimate based on the factors approvers typically weigh — not a credit pull, a binding pre-qualification, or financial advice. ClearValue Lending is a financial-decisions platform, not a lender, issuer, insurer, or advisor.