Transform Your Financial Health
Knowing your score is the first step toward institutional-grade capital readiness and long-term business clarity.
Be Ready for Lenders
Keep clear financial records that lenders can understand and review
Avoid Common Delays
Find and fix issues that can slow down a loan application.
Know What to Improve
See where your business may need work before you apply for financing.
How It Works
01
Take the Quiz
Answer eight quick questions about your business finances.
02
Get Your Score
See how ready your business may be for financing.
03
Book Your Review
Book a free 15-minute call to discuss your score and next steps.
How often do you match your bank transactions to your bookkeeping records?
• 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 up to date are your financial reports, such as your profit and loss statement and balance sheet?
• Reviewed by a CPA or ready to provide to a lender
+25 POINTS
• Updated mainly at tax time
+5 POINTS
• Updated every month
+15 POINTS
• Incomplete or not available
0 POINTS
4. Are your monthly business loan payments easy for the business to afford?
• Yes, easily
+20 POINTS
• Usually manageable
+10 POINTS
• Sometimes difficult
+5 POINTS
• No, payments are difficult to manage
0 POINTS
5. Does your business have credit accounts or loans in the business name?
• Yes, with an established payment history
+20 POINTS
• I use personal credit for the business
+2 POINTS
• Yes, but only a few 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 operating?
• 3 or more years Years
+20 POINTS
• 1 to 3 years
+10 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
Important: this quiz is a general self-check and does not guarantee loan approval or financing terms. Each lender has its own requirments and will review your full financial and credit profile
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.
Want a clear plan for improving your score? Book a 15-minute Bankability Review. We will discuss your results, identify possible gaps, and help you decide what to work on next.