Free · No credit pull
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.
This readiness check runs interactively with JavaScript. What approvers look for:
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
More readiness checks