Blog →
Free · No Login · Instant Results

Does your business
qualify for a loan?

Answer a few questions. Get your funding readiness score, a plain-English breakdown of your chances, and exactly what's holding you back — in under 60 seconds.

Check My Score →
🔒 We never sell your data· No credit check required· Built by lending professionals
Step 1 of 10
💰

What is your business's annual revenue?

Use your most recent full year's gross revenue.

📅

How long has your business been operating?

Count from the date you first opened or incorporated.

📊

What is your personal credit score range?

Most lenders check the owner's personal credit. Use a free tool like Credit Karma if unsure.

🏦

How much existing business debt do you carry?

Include all outstanding loans, lines of credit, and MCA balances.

🏢

What industry is your business in?

Lenders rate industry risk differently. This impacts your approval odds.

🏧

What is your average monthly business checking balance?

Lenders review 3 months of bank statements. Average your typical end-of-month balance.

⚖️

Do you have any outstanding tax liens or judgments?

This includes federal, state, or local tax liens and any court judgments against the business or owner.

🎯

How much are you looking to borrow?

Lenders compare this to your annual revenue and cash flow.

📋

What is the primary purpose of this loan?

Loan purpose directly impacts which lenders and SBA programs are the best fit for you.

📁

Do you have 2 years of business tax returns available?

Most SBA and bank lenders require 2 years of business tax returns. This is one of the most common deal killers in the application process.

📝

Do you have a business plan or financial projections?

For businesses under 12 months old, lenders — especially SBA Microloan programs and CDFIs — typically require a business plan or financial projections in place of tax returns.

How It Works

01

Answer a Few 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.