From a black box to a clear plan — in about a week.
No long engagement, no jargon, no agenda. You send your numbers, a credit analyst assesses you the way a bank's committee would, and you get back exactly where you stand and what to fix — before a single application goes in.
Three steps that mirror a real bank's review.
Each step is built to surface what an underwriter sees — minus the wait and the mystery of an actual application.
Share your numbers
You send a short, defined set of documents through a secure upload — no live bank files or sensitive borrower data required. We work from your own financials and a brief questionnaire, so the picture we assess is the same one a lender will request.
- Last two years of financial statements
- Your most recent management accounts
- A 10-minute questionnaire about the business and the funding you want
We underwrite you
A credit analyst scores your business against the exact ratios, thresholds, and red flags a lender's credit committee uses to decide yes or no. We assess methodology and your real figures — independently, with no stake in whether you ever take a loan. Nothing is automated away; a human who has sat on the lending side reads your file.
You get your verdict
You receive a plain-English report: where you'd land today, the specific issues that would trigger a decline, and a prioritized list of fixes ranked by impact. It tells you whether to apply now, what to repair first, and which kind of lender is most likely to say yes — so you walk in already approvable.
- Your readiness score and likely decision
- Every red flag, named specifically
- A prioritized, plain-English fix-list
Optional: walk it through together
On the Assessment + Strategy Call tier, you also get a 60-minute session to talk through your fix-list, sequence the repairs, and plan how to approach lenders — plus two weeks of follow-up questions as you put it into action.
The four things a committee actually weighs.
We don't grade you on a vague "financial health" score. We test the specific dimensions an underwriter has to sign off on.
Repayment capacity
DSCRCan the business comfortably cover the new repayments out of its cash flow? This is the single number that sinks the most applications.
Balance-sheet strength
Debt / EquityHow leveraged are you already, and is there enough owner's stake for a lender to feel the risk is shared rather than dumped on them?
Liquidity
Current ratioWhether you can meet short-term obligations without the new loan immediately papering over a cash hole — a classic red flag underwriters hunt for.
Trading performance
Revenue trendThe direction and stability of your revenue and margins — the story your numbers tell about whether the business is strengthening or slipping.
Your verdict, in the bank's language.
- 01Readiness score & likely decisionApprove, conditional, or decline — where you'd land today.
- 02Your numbers vs the thresholdsEvery ratio a committee checks, set against the levels they use.
- 03The red flags that trigger a declineNamed, not hand-waved — so you know exactly what to address.
- 04A prioritized fix-listWhat to change first, and the impact each fix has on your odds.
- 05Your best-fit lender profileThe type of lender most likely to approve a business like yours.
Days, not weeks.
A fast pass to surface the deal-killers before you go further.
The complete committee-style review and fix-list.
The full assessment plus your scheduled walkthrough session.
We're paid for one thing: the truth.
We don't arrange financing and we take no commission from any lender — ever. A broker only gets paid when you borrow, so "you're not ready yet" is the one verdict they can't afford to give. We can. Sometimes that's the most valuable thing in the report.
Know your verdict before the bank does.
Pick the assessment that fits where you are, and find out exactly where you stand.
Get your assessment