See what a lender
sees.
Put in the same numbers an underwriter reads and get the same read back: whether you qualify, roughly how much, and the one figure holding you back. It runs in your browser, it does not pull your credit, and it is not an offer.
- Decision in hours · wired same day
- Bank-grade encryption
How do you want to give us the numbers?
Type them in and the result moves as you type. Or attach statements and let the reader pull them out for you. You can switch between the two at any point without losing what you have already entered.
Nothing on this page is submitted, stored, or sent anywhere. It runs entirely in your browser and no credit file is touched.
Waiting on 4 more inputs before an outlook can be shown.
Waiting
Four numbers decide the outlook. The result updates as you type, with no submit button and nothing sent anywhere.
- Average monthly revenue
- Average daily bank balance
- Months in business
- Credit score
This is an indicative estimate, not an offer, not a commitment to lend, and not a credit decision. Nothing here pulls your credit. Real terms come from a lender after a full file review.
The factor by factor breakdown appears here once revenue, balance, time in business, and credit score are filled in.
This is an indicative estimate, not an offer, not a commitment to lend, and not a credit decision. Nothing here pulls your credit. Real terms come from a lender after a full file review.
What this reads, and what it cannot.
A pre check is worth something only if it is straight with you about its own blind spots. Here are both sides of that.
- True monthly revenue, which is deposits less transfers, returns, and money lent to you.
- Average daily balance against the size of the business, not against a flat dollar floor.
- Negative days, because a thin month with three overdrafts reads worse than a thin month without them.
- Leverage, meaning what you already pay each month as a share of what you actually take in.
- How many positions are stacked, because the fourth one costs more than the first.
- Seasonality. Three strong months and nine quiet ones average out to something this page cannot see.
- Who your customers are. Ten stable contracts and a hundred one-off tickets score the same here.
- The story behind a bad month. A tax payment and a missed payroll look identical in a monthly average.
- Your actual credit file. Nothing on this page pulls a bureau, so nothing here reflects one.
- Collateral, guarantors, and equipment, all of which change what a lender can do with a marginal file.
Every threshold this page uses.
These are the exact figures the engine above scores against. They are indicative, tuned for a public estimate, and they are not a credit policy. A lender sets its own.
| Factor | Clears at | Watch below |
|---|---|---|
| Average monthly revenue | $25,000 | $12,000 |
| Time in business | 12 months | 6 months |
| Credit score | 600 | 500 |
| Average daily balance | 5% of revenue, min $5,000 | 2% of revenue, min $2,000 |
| Negative balance days | 2 a month | 6 a month |
| Leverage | 12% of revenue | 25% of revenue |
| Open positions | 1 | 3 |
A new position is sized to keep total leverage under 25% of true monthly revenue, over an indicative 9 month term. The estimate on this page is not an offer, not a commitment to lend, and not a credit decision.
An estimate is not an answer.
A real underwriter reads the whole file, including everything this page cannot see. Most applications get a decision the same business day.
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