Answer the questions below
Score updates as you answer · Based on real lender criteria
Tell us about your situation
Most lenders require 650+. A score of 680+ opens significantly more options.
💡 Your credit score has room to grow. These resources can help:
Most conventional lenders require 2+ years. Startup programs are available for newer businesses.
Can your business revenue cover the monthly loan payments comfortably? The DSCR module will calculate your exact number.
💡 Improving cash flow is key to loan readiness. These resources can help:
Collateral reduces lender risk. Many CDFI and startup programs are unsecured — personal guaranty alone can qualify.
Tax returns, P&L, bank statements, personal financial statement. The Documents module will guide you through exactly what's needed.
💡 Getting your documentation together is critical. Start here:
A strong business plan demonstrates you understand your business and have a clear path to repayment. Groundwork. generates one for you in Module 8.
💡 A strong business plan opens more doors. Here is where to start:
Your readiness analysis
💡 Top actions to improve your score