Partner Overview · March 2026

Loan readiness,
built for the
borrower.

Groundwork. is the platform that gets small business owners genuinely ready for capital — not just paperwork-ready. Built for CDFIs, BDOs, and the entrepreneurs they serve.

View Live Demo → View Pricing → Schedule a call
8
Guided modules — from health check to business plan
30s
To generate a lender-ready 8-section business plan
80%
Of the credit memo pre-filled automatically
$0
Cost to the borrower — free tier always available
The problem we solve

Most small business owners aren't loan-ready.
That's not their fault.

The gap between "I need capital" and "I'm ready to apply" is wide — and mostly invisible to the borrower. Groundwork. closes that gap, one module at a time.

01
No business plan. Most small business owners have never written one. Lenders require it. Groundwork. generates a complete 8-section plan from the borrower's own inputs — in 30 seconds.
02
Don't understand DSCR. The single most important number in a credit decision is invisible to most borrowers. Groundwork. teaches it interactively with real-time what-if scenarios.
03
Missing documentation. Borrowers show up to lender meetings with half a file. Groundwork.'s 18-item checklist surfaces gaps early — with free templates for every missing document.
Platform capabilities

Everything a borrower needs.
Everything a lender wants to see.

Groundwork. is the only loan readiness platform that generates pre-filled financial documents, incorporates real customer testimonials, and delivers a live risk calculator to your loan officers.

📊
Pre-filled Excel Templates
P&L statements, cash flow projections, balance sheets, and personal financial statements — auto-populated with the borrower's actual data. One click, ready to submit.
★
Customer Testimonials
Borrowers add real customer quotes to their loan story. The AI incorporates them into a dedicated Customer Validation section of the business plan — social proof lenders love to see.
📐
Live Risk Calculator
Your loan officer enters personal financial data and watches the guarantor DSCR, combined DSCR, and overall risk rating update in real time. No more manual spreadsheets.
🤖
AI Business Plan Generator
A complete 8-section lender-ready business plan generated from the borrower's own module data in 30 seconds. Includes executive summary, market analysis, financial projections, and more.
📈
Visual Progress Tracking
Borrowers see their journey at a glance — a visual progress tracker shows completed modules, health score, readiness score, and DSCR all in one dashboard.
🏛
80% of the Credit Memo — Pre-filled
The business side of the credit presentation is auto-populated from module data. Your LO adds personal financial data. The risk rating calculates automatically. Personal data never touches our platform.
How it works

Three steps to lender-ready

Groundwork. guides borrowers through a structured process — then delivers everything to the lender pre-organized.

📋
Step 1
Borrower completes 8 modules
Self-guided, plain language prompts. Health check, business model, DSCR calculator, loan story, documents, and business plan — all in one place.
📊
Step 2
Counselor tracks and coaches
Your team sees every client's progress, health score, DSCR, and documentation status in real time. Flag gaps before they become problems.
🏛
Step 3
LO receives a pre-filled credit memo
The business side of the credit presentation is auto-populated. The loan officer enters personal financial data — and the risk rating calculates automatically.
Built for every role

One platform.
Three powerful views.

Every user sees exactly what they need — nothing more, nothing less.

👤
Borrower View
Self-guided loan readiness
  • 8 structured modules in plain language
  • AI coach on every section
  • DSCR calculator with what-if scenarios
  • 18-item document checklist with free templates
  • AI-generated 8-section business plan
  • Health score and readiness score
📊
Organization / BDO View
Your counselor dashboard
  • Client pipeline with progress tracking
  • Health scores and DSCR at a glance
  • MWBE demographics — auto-tracked
  • Analytics across your full cohort
  • One-click impact reports for funders
  • CDFI Fund, board, and grant report exports
🏛
Loan Officer View
Intelligent credit presentation
  • C&I Risk Rating Matrix — pre-populated
  • Streamlined credit memo — 80% auto-filled
  • Primary, secondary, tertiary repayment narratives
  • Live risk calculator — enter numbers, rating auto-updates
  • Personal financial data stays private — LO only
  • Signature lines and credit committee decision
Privacy by design

We built the wall between
business data and personal data.

Groundwork. never collects personal financial data. That information flows directly between the borrower and the lender — never through our platform.

🔒
We never sell borrower data
Business information, financial data, and loan readiness profiles are never sold to advertisers, data brokers, or third parties. Ever.
🏛
Personal financials stay private
Tax returns, credit reports, SSNs, and guarantor financials never touch our platform. They flow directly between borrower and lender.
📋
Designed for GLBA, CCPA, NY SHIELD
Our data minimization approach is designed for compliance with applicable financial privacy laws.
🗑
Full deletion, anytime
Borrowers can delete their account and all associated data at any time. No waiting periods. No fine print.
How data flows in Groundwork.
Groundwork. pre-fills
Business name, NAICS, location
Revenue, expenses, DSCR
Health and readiness scores
Risk rating matrix
Business plan and loan story
MWBE status
LO enters — never stored by Groundwork.
Personal credit score
Personal financial statement
Guarantor cash flow
Combined / global DSCR
Personal tax return details
Result
Complete credit presentation — borrower data + LO input — without personal data ever touching Groundwork.
The numbers

Built for the Southern Tier.
Ready to scale.

Groundwork. launched in March 2026. These are the capabilities live on the platform today.

8
Structured borrower modules
Health to Business Plan
18
Document checklist items with free templates
Every gap covered
80%
Of credit memo pre-filled by the platform
LO saves hours per file
$0
Cost to borrowers on the free tier
Mission-aligned pricing

Ready to see it live?

The full platform is live at groundworkbiz.com. Schedule a 30-minute demo and bring your loan officer.

Live Demo
groundworkbiz.com/demo-full
Password: groundwork2026
Contact
Jerome Emanuel
jerome@groundworkbiz.com
(607) 259-5344
Platform
groundworkbiz.com
Live · March 2026
View Live Demo → View Pricing → Schedule a call
Get started

Request a Pilot

Tell us about your organization and we will be in touch within one business day to schedule a demo and discuss a pilot program.

Or reach us directly: jerome@groundworkbiz.com · (607) 259-5344