PRE-BANK CREDIT ASSESSMENT FOR SMES
4.4/5 based on 2,000+ reviews
If you've tried brokers, loan offiers, accountants - and still your loan is rejected...
It's not your fault.
They were never the people who approve loans.
CreditMirror shows you what the bank actually sees, right before your application goes in.
Built by credit analysts. We don't lend — we tell you the truth.
Acme Contractors LLC
Conditional
The company is not hopeless. It is underprepared. The lender may need a clearer repayment story before approving the full requested amount.
The bank rarely tells you the real concern early. It just asks for more documents.
Your accountant says the books are fine. Your broker says submit. Your banker says credit is reviewing. But nobody tells you what the file may look like inside underwriting.
“Why am I still getting declined?”
Good credit, strong revenue, and clean books are table stakes. Banks still need repayment capacity, structure, and a clear use of funds.
“They may approve less than I need.”
A reduced approval can be worse than a decline when it leaves you short for inventory, payroll, acquisition, or expansion.
“My broker wants to submit.”
A broker may know where to send the file. That does not mean the file has been stress-tested like a credit analyst would.
“Working capital sounds simple.”
To banks, vague working capital can sound like cash stress unless the money, timing, and repayment source are clearly explained.
“My accountant prepared everything.”
Accountants prepare numbers. Lenders interpret risk. Those are different jobs.
“What am I missing?”
Usually it is not one issue. It is DSCR, structure, bank statements, industry appetite, loan purpose, collateral, and narrative all together.
Strong businesses still get declined when the credit story does not work.
The bank is not only asking, “Is this a good business?” It is asking, “Can this borrower repay this exact loan, under this exact structure, with enough cushion?”
Debt service coverage
Revenue is not enough. The bank wants cash flow after expenses, debt, taxes, and owner needs.
Loan structure mismatch
Wrong product, wrong tenure, wrong amount, or wrong repayment source can kill a decent deal.
Vague use of funds
“Working capital” is not a strategy. The bank wants to know exactly how the money generates repayment.
Bank statement behavior
Low balances, overdrafts, transfers, and cash swings can weaken a file that looks good on paper.
Industry risk
Restaurants, construction, trucking, startups, and some sectors face stricter lender appetite.
Tax returns tell the wrong story
Strong revenue may not help if taxable income or add-backs cannot support repayment.
Experience gap
For acquisitions or expansion, banks underwrite you as much as the business.
Collateral misunderstanding
Collateral supports a loan. It does not replace cash flow and repayment capacity.
We help you understand what the bank may question before your file goes in.
We read your P&L, balance sheet, cash flow, and notes through a lender lens.
Not tax accuracy. Not bookkeeping neatness. We look for what may weaken repayment confidence.
We test whether the loan amount makes sense.
DSCR, leverage, liquidity, margins, cash conversion, debt burden, interest cost, and repayment cushion.
We turn “I need funding” into a lender-readable case.
Amount, tenure, collateral, repayment source, use of funds, and whether the loan benefit justifies the interest cost.
You get the issues, the likely objections, and how to respond.
So you can fix, explain, restructure, delay, or proceed without walking into credit blind.
Why was your loan rejected — or what would get it rejected if you applied today?
Three ways to find out, from a fast first read to a full forensic review with hands-on solutions.
Basic Review
- A candid critique of your business model — does it raise concerns for a lender before the numbers even matter?
- Identifies why your loan was likely rejected, based on your P&L
- Top 3 red-flag issues in your P&L statement driving the rejection
- Top 3 P&L-only credit ratios behind the rejection — interest coverage, margin trend, and revenue concentration
- 1 simple written report
Partial Review
- Everything included in the Basic Review
- Covers every issue in your P&L, not just the top 3
- Covers 3 key issues in your Balance Sheet
- Top 5 credit ratios across the P&L and Balance Sheet driving rejection or downsizing
- Solutions and recommendations provided for each issue identified
- 1-hour working call with your analyst
- 1 intermediate written review report
Full Deep Dive Review
- Everything included in the Basic Review and the Partial Review
- All issues identified across the P&L
- All issues identified across the Balance Sheet
- All issues identified across the Cash Flow Statement
- All issues identified in the Notes to the Financials
- 30+ credit ratios assessed across the full set of financial statements
- Hands-on solutions — 1 call per week for 8 weeks (8 hours of direct working time)
- Implemented solutions reviewed with follow-up
- Loan structuring — tenure, amount, rate, and collateral
- Defined purpose of the loan
- Loan sizing — the amount you should actually request
- Cost-benefit assessment — interest paid against the benefit the loan actually delivers
Your report, in the bank’s language.
Your readiness score & likely decision
Where you'd land today: approve, conditional, or decline.
Every ratio a committee checks
Your numbers set against the thresholds banks actually use.
The red flags that trigger a decline
Named specifically — not "improve your financials."
A prioritized fix-list
What to change first, and the impact each fix has on your odds.
Your best-fit lender profile
The type of lender most likely to say yes to a business like yours.
Credit Readiness Report — Confidential
We make money one way: telling you the truth.
We're not a broker and we don't arrange financing. We never earn a cent from any loan you take. A broker is paid when you borrow, so "you're not ready yet" is the one verdict they can't afford to give. We can — and sometimes that's exactly the advice that saves your application.
Paid by the lender when your loan closes. Motivated to push you through, ready or not.
Works for the bank. Won't coach you on how to pass their own committee.
Paid only by you, for one job: an honest read on whether you'll get a yes — and how to earn it.
This is for serious funding situations where a weak file costs more than our fee.
$500k+ funding requests
Working capital, acquisition, equipment, expansion, refinancing, project, or line of credit requests.
$2M–$25M revenue businesses
Companies large enough to have real financial complexity but not always a full-time CFO.
Business acquisition buyers
SBA 7(a), seller financing, partner buyouts, practice acquisitions, and deal timelines at risk.
Inventory-heavy businesses
Importers, distributors, wholesalers, receivables, inventory, supplier terms, and cash conversion pressure.
Project or contract businesses
Construction, government contracts, mobilisation, payroll, subcontractors, and delayed payment cycles.
Rejected or delayed applicants
Owners who do not want to send the same weak file to the next lender.
Find out your verdict before the bank does.
Know exactly where you stand — and exactly what to fix — before a single application goes in.
Get your assessmentFrequently Asked Questions
Chat With Us
Will you help me actually get the loan?
No — and that's deliberate. We don't arrange loans or take lender commissions. We make you approvable; you or your banker take it from there. Staying out of the financing keeps our read on you honest
What do you need from me?
Two years of financial statements, your latest management accounts, and a 10-minute questionnaire about the business. That's enough to assess you the way a committee would.
How long does it take?
The Red-Flag Scan is delivered in 3 business days. The full Bank-Readiness Assessment takes 5–7 business days.
My business is very new or pre-revenue. Is this for me?
Start with the Red-Flag Scan. It'll tell you honestly whether you're close enough to apply or whether your time is better spent building the file first.
Is this financial or legal advice?
No. It's an independent assessment of how a lender is likely to view your business, for your own planning. See the note below for the full picture.