Funding Readiness
Apply prepared, not hopeful.
Before you apply for a loan, line of credit or business card, we review what lenders look at — your structure, credit and financials — and help you fix the gaps first.
To be clear
We are not a lender and don't promise funding. We prepare you so that when you do apply, you understand your options and present the strongest file you can.
What we review
Six areas lenders look at — reviewed before they do.
Business structure
Entity type, registration, EIN, business address, bank account and listings — consistent everywhere a lender checks.
Business credit profile
Your business credit files reviewed, with steps to establish or strengthen reporting trade lines.
Personal credit for PG options
Many options require a personal guarantee. We review utilization, inquiries and history, and what to improve before applying.
Business plan
A clear plan that explains what the money is for and how the business will repay it.
Financials
Bank statements, P&L, balance sheet and tax returns reviewed for consistency and red flags.
Option fit
An overview of the funding types your profile may suit — and which to wait on — so you avoid unnecessary inquiries.
Readiness self-check
How funding-ready is your business?
Six quick yes/no questions. See your score and the areas worth fixing before you apply.
Question 1 of 6
Is your business registered as an LLC or corporation, with an EIN?
Question 2 of 6
Do your business name, address and phone match everywhere — bank, IRS, listings?
Question 3 of 6
Does your business have accounts that report to business credit bureaus?
Question 4 of 6
Is your personal credit in good shape, with low balances and few recent inquiries?
Question 5 of 6
Do you have a written business plan that explains how you'd use the money?
Question 6 of 6
Are your P&L, balance sheet and tax returns current?
What you receive
A readiness report and an action plan.
- Where you stand today across all six areas
- A prioritized list of fixes, with timelines
- Business plan and financial documents prepared or cleaned up
- Guidance on when and how to approach lenders yourself
FAQ