Funding readiness is the gap between “I want financing” and “a lender can confidently approve it.” Use this page to tighten your business identity, organize your underwriting packet, and align credit and cash flow for cleaner approvals across the United States and Canada.
Most funding denials are not caused by the loan product itself—they happen because risk is unclear. Lenders approve faster when information is complete, consistent, and easy to verify.
In practical terms, lenders want to see:
When these elements are organized before applying, approvals are faster, cleaner, and come with better terms.
Think like an underwriter. Your approval strength is a weighted blend of five core factors:
Payment discipline, clean credit history, stable operations, and responsible financial behavior over time.
Cash flow strength and the ability to comfortably support debt payments, often measured through debt service coverage.
Owner equity, retained earnings, and financial cushion—demonstrating commitment and ability to absorb risk.
Assets pledged and lien position, when applicable, including equipment, property, or receivables.
Industry risk, time in business, use of funds, economic environment, and overall deal structure.
Use this as a quick, clickable self-assessment module to gauge where you stand today.
This is the “complete file” most lenders expect in some form. Build it once, keep it updated, and reuse it across applications.