Capital readiness
See how ready your business is to be funded.
Move the inputs and watch your readiness update in real time. The score shows where you stand today and, more usefully, the specific moves that would raise it. No sign-up, no credit pull.
Your profile
Check what you can produce now. Having these on hand is what speeds up funding.
Capital readiness
StrongYour business is well positioned. A few moves would widen your options.
Ways to move higher
- Add 2 more documents (bank statements, tax returns) so lenders can read your full picture+6
This readiness read is guidance based on the profile you entered. It is not a credit decision, a credit score, or an offer of financing.
What is a capital readiness score?
Capital readiness is a measure of how prepared your business is to secure financing on good terms. Lenders weigh a consistent set of factors: how much revenue you generate and how steadily, how long you have operated, the owner's credit, how much debt you already carry, your industry, and how complete your documentation is. Capital Selector combines those into a single 0 to 100 score so you can see the whole picture at once.
The score is weighted: revenue and owner credit carry the most, followed by time in business and documentation, then cash-flow consistency, debt-to-income, and industry. Because the weighting is fixed and transparent, every recommendation comes with the exact number of points it would add, so you can prioritize the move with the highest return.
How to raise it
The fastest lifts are usually the ones inside your control this quarter: completing your documentation, clearing overdrafts and NSF events, and bringing debt-to-income under 30 percent. Owner credit and time in business move slower but carry weight. When you are ready, a short conversation matches your profile against the lenders and structures that fit it.