Transform Your Financial Health
Knowing your score is the first step toward institutional-grade capital readiness and long-term business clarity.
Lender Confidence
Present institutional-grade financials that speak the language of credit committees and primary lenders.
Faster Approvals
Eliminate the friction points that stall underwriting. Get from application to funding in record time.
Clarity on Gaps
Identify exact 'red flags' on your balance sheet before they become denials. Take proactive control of your growth.
How It Works
01
Take the Quiz
Complete the 60-second scorecard to assess your current bookkeeping health.
02
Get Your Score
Review your instant results and see where your business stands in the eyes of lenders.
03
Book Your Review
Schedule a 15-minute results review with our experts to close the bankability gaps.
1. How often do you reconcile your business bank accounts?
• Daily or Weekly
+20 POINTS
• Quarterly
+5 POINTS
• Monthly
+15 POINTS
• Rarely / Not Sure
0 POINTS
2. Do you maintain a separate business bank account for all expenses?
• Yes, strictly separate
+20 POINTS
• Mostly separate
+10 POINTS
• Some overlap with personal
+5 POINTS
• No, mixed accounts
0 POINTS
3. How organized are your financial statements?
• CPA-reviewed / Ready now
+25 POINTS
• Updated for Tax Season
+5 POINTS
• Updated monthly
+15 POINTS
• Incomplete / Shoebox
0 POINTS
4. What is your current Debt-to-Income ratio?
• Less than 30%
+20 POINTS
• 30% - 45%
+10 POINTS
• 45% - 60%
+5 POINTS
• Above 60%
0 POINTS
5. Do you have documented Business Credit history?
• Yes, established score
+20 POINTS
• Use personal only
+2 POINTS
• Yes, limited accounts
+10 POINTS
• Not sure / No history
0 POINTS
6. How consistent is your business revenue?
• Steady Growth
+20 POINTS
• Predictable / Flat
+15 POINTS
• Seasonal / Volatile
+5 POINTS
• Declining
0 POINTS
7. Was the business profitable last year?
• Yes
+20 POINTS
• No
0 POINTS
8. How long has your business been in operation?
• 3+ Years
+20 POINTS
• Less than 1 Year
+5 POINTS
Calculate Your Score
Total your points from the questions above to determine your business status for institutional funding.
0–40 POINTS
HIGH RISK
Significant preparation needed. Institutional lenders likely to decline.
41–80 POINTS
GROWTH-READY
Strong foundation. May require collateral or minor financial clean-up.
81+ POINTS
BANKABLE ELITE
Ideal candidate. Positioned for premium rates and high capital limits.
Your Result Categories
Total Your Points
Add the points listed next to each of your selected answers to find your final bankability score. Use the legend below to determine your current standing.
0–40 Points: High Risk
41–80 Points: Growth-Ready
81+ Points: Bankable Elite
High Risk
Your current financial documentation and processes may hinder your ability to secure traditional lending. Immediate focus on bank reconciliation and debt-service ratios is required to move toward eligibility.
Growth-Ready
You have strong foundations but small gaps remain in your financial reporting cadence. Minor adjustments to your tax alignment and consistency will likely qualify you for standard commercial products.
Bankable Elite
Your business shows exceptionally strong indicators. You are positioned in the top tier for institutional funding approval at premium rates. Your reporting suggests maximum transparency and lender confidence.