Answer 9 questions. Get your funding readiness score, a plain-English breakdown of your chances, and exactly what's holding you back — in under 60 seconds.
Funding Grade is an educational tool. Scores are estimates based on common lender criteria and do not constitute a credit decision or guarantee of financing. Always consult a licensed financial professional before making borrowing decisions.
How It Works
01
Answer 9 Questions
No personal information required. No login, no credit pull, no email. Just your business profile.
02
Get Your Score
Our AI analyzes your inputs using the same criteria commercial lenders apply to every application.
03
Know What to Fix
Plain-English explanation of exactly what's helping you, what's hurting you, and what to do next.
Frequently Asked Questions
No. Funding Grade never pulls your credit. We ask for your score range as a self-reported input only — no hard or soft inquiry is made.
DSCR stands for Debt Service Coverage Ratio — it measures whether your business income is sufficient to cover your existing debt payments. A DSCR above 1.25x means you generate $1.25 for every $1.00 of debt, which is the minimum most conventional lenders require.
Different loan purposes qualify for different SBA programs and lender types. Commercial real estate is best suited for SBA 504, while equipment and working capital typically fit SBA 7(a). Knowing your purpose helps us point you to the right lender from the start.
Funding Grade was built by professionals with direct experience in commercial lending and credit underwriting. The scoring framework reflects real-world lender criteria, not generic algorithms.
The score is a strong directional indicator based on the most common lender criteria. It is not a guarantee of approval or denial — every lender has unique requirements. Think of it as a health check before you apply.
Never. We don't collect identifying information, and we don't sell anything to third parties. The affiliate links in your results are clearly labeled and clicking them is entirely optional.
A low score is not a dead end — it's a roadmap. Your breakdown will explain specifically what factors are dragging your score down and how to address each one before you apply.