Three levels of review. One clear goal.
Find out why your loan may be rejected, downsized, delayed, or questioned — before the bank makes the decision for you.
Answer the 7 questions first. We recommend the right tier.
- Basic Review if the issue is mainly P&L-level
- Partial Review if P&L and Balance Sheet need work
- Full Deep Dive if the loan is high-stakes or complex
- No engagement if we do not believe we can add value
Choose the depth of review your loan situation deserves.
Each package is designed around the same question: what may cause the bank to reject, delay, downsize, or question your loan?
Basic Loan Rejection Review
For owners who want a fast P&L-level read on the biggest rejection points.
- Focus only on P&L
- Business model critique
- Why your loan may have been rejected
- Top 3 red flags in your P&L
- Top 3 P&L-based credit ratios
- Simple written report
Best for early-stage checking or smaller loan requests.
View Basic ReviewPartial Loan Review With Improvement Plan
For owners who need diagnosis plus practical recommendations before submission or resubmission.
- Everything in Tier 1
- All major P&L issues
- Top 3 Balance Sheet issues
- Top 5 credit ratios across P&L and Balance Sheet
- Solutions and recommendations
- 1-hour consultation call
- Intermediate review report
Best when the issue is no longer just P&L-level.
View Partial ReviewFull Deep Dive Review With Solutions
For high-stakes funding where rejection, delay, or wrong structure could cost far more than the fee.
- Everything in Tier 1 and Tier 2
- All P&L, Balance Sheet, Cash Flow and Notes issues
- 30+ credit and financial ratios
- Loan sizing, amount, tenure, rates and collateral
- Loan purpose and repayment source review
- Interest cost vs loan benefit assessment
- 1 call per week for 8 weeks
- Follow-up review of improvements
- If rejected, 2 extra months of support
Best when the loan affects an acquisition, expansion, contract, refinance, or major working-capital need.
View Full Deep DiveDo not pick a package blindly. Let the diagnosis decide.
Our 7-question assessment helps determine whether your situation needs Basic Review, Partial Review, Full Deep Dive, ongoing support, or no paid engagement yet.
Take the 7-question assessmentThe assessment checks:
- 1What happened with your loan so far
- 2Where the process is breaking down
- 3What delay, rejection, or downsizing is costing you
- 4What you have already tried to fix
- 5Which review depth is actually appropriate
Credit analysts usually sit inside banks. Now you can access that thinking before you apply.
Loan officers manage relationships. Accountants prepare numbers. Credit analysts interpret whether those numbers support repayment risk.
Creditmirror makes that credit-side thinking accessible through one-off reviews, without hiring a full-time CFO or bank-trained analyst.
A private second opinion before the bank sees your file.
Not just “are the books clean?”
We review whether the numbers create lender confidence around repayment, structure, loan purpose, and risk.
Not broker optimism.
A broker may know where to submit. That does not mean the file has been stress-tested like credit will review it.
Not full-time CFO cost.
You get focused credit-analysis support for the specific funding situation in front of you.
Clients often improve because the file becomes clearer, tighter, and more lender-readable.
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Identified key rejection points
Cases where likely lender concerns were surfaced before resubmission or lender follow-up.
Improved loan explanation
Clients who clarified loan purpose, source of repayment, or lender-facing story after review.
Changed loan structure
Cases where amount, tenure, collateral, repayment source, or facility type was revised.
Avoided premature submission
Cases where clients delayed or fixed issues before burning another lender conversation.
Creditmirror does not guarantee approval. Final decisions depend on lender policy, credit appetite, documentation, borrower profile, collateral, and market conditions.
The value is often not just the answer. It is knowing what the bank may ask next.
“We thought the issue was collateral. The review showed the bigger problem was how cash flow and loan purpose were being presented.”
“The bank kept asking for more information. Creditmirror helped us understand which questions signaled real discomfort.”
“The most useful part was being told not to submit yet. We fixed weak points before wasting another lender conversation.”
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Not sure which package fits your situation?
Start with the 7-question assessment. If we believe we can help, we will recommend the right review tier. If not, we will tell you directly.
Start fit assessment