Know Your Loan ReadinessBefore You Talk to Your Banker
Free readiness check — see how bank-ready your business is before you talk to your banker. No SSN or documents required to start.
Your information is encrypted in transit and is never sold or shared for marketing.
See what you’ll get
A sample readiness result — illustrative only.
Readiness score (illustrative)
You’re close. A few targeted improvements could move you into bank-ready territory.
Sample next steps
Strengthen payment coverage
Cash flow is tight against projected payments — increase cash flow, reduce the requested amount, or extend the term.
Right-size the loan request
Annual debt payments look high relative to revenue — consider a smaller amount or a longer term.
Prepare collateral
Pledging business assets (equipment, real estate, or inventory) can strengthen your readiness position.
Pricing
Start free — add the Bank Conversation Kit when you're ready
The Kit is available separately. See full pricing
Common questions
What is Business Loan Score?
Business Loan Score is an informational tool that helps small business owners prepare for a loan conversation with their banker. The free Guided Check gives you a readiness score from 0 to 100, key ratios such as DSCR, and clear next steps.
Is Business Loan Score a lender?
No. Business Loan Score is not a lender. We do not make loans, take applications, or match you with lenders. Results are educational and are not a credit decision, loan offer, or prediction of approval.
Does checking my readiness pull my credit?
No. There is no credit pull. Business Loan Score never checks your business or personal credit, so using it does not affect your credit score.
Do I need my SSN or documents to start?
No. You can start the free Guided Check without an SSN or documents. Having your recent financial statements and tax returns nearby will make your estimates more accurate.
What is DSCR and why does it matter to my banker?
The debt service coverage ratio (DSCR) compares the cash flow your business generates to its annual debt payments. Bankers commonly use it to understand whether a business can comfortably carry a new loan. Business Loan Score estimates it for you and explains what moves it.
What's included in the Bank Conversation Kit?
The Kit adds a banker one-pager you can download, print, or share, a use-of-funds and debt schedule builder, loan paths with illustrative industry ranges, an interactive bank package checklist, and saved what-if scenarios.
How much does it cost?
The Guided Check is free. The Bank Conversation Kit is $24.99 for the first year, then renews at $49.99 per year until you cancel. You can cancel anytime in your account.
Will a high readiness score get my loan approved?
No tool can promise approval. Every lender makes its own decision. A higher readiness score simply means you're likely to walk into the conversation better organized and with fewer surprises.