Can your cash pay the loan in year 1?
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A loan-readiness check for small business owners and the accountants or consultants who help them get ready. Pick your type of business, enter your numbers, and get a plain-English report — with the lender terms shown alongside.
Pick your type of business
Enter your numbers
Get your readiness report
This is an educational estimate, not a loan approval, a loan offer, or a credit decision. Lenders make their own decisions, and results vary. Example figures are for illustration only.
Lenders compare your forecast to what the business has already done. You can skip this if you are a startup. Operating expenses should not include owner pay, interest, depreciation, or taxes — enter those on their own rows. Normalized earnings (EBITDA) add back owner perks, one-time costs, and non-cash items.
Example Bistro LLC
Add numbersStart here. Each item has a dollar target where we can calculate one, and a score impact when we can measure it.
A typical SBA 7(a) style package. Check off what you already have. Completeness is part of your score.
Your score and top fixes on this page are free. The downloadable report — a plain-English owner summary plus the lender-grade appendix — is a one-time $49 purchase, delivered to your email and available as a PDF.
Thank you — your report is ready.
The score and fix list on this page stay free. Paid options are below. If a payment link is not set, the button shows “Coming soon.”
One-time
The full printable report: your owner summary and the lender-grade appendix, delivered to your email and available to download as a PDF.
An expert-reviewed report and a written fix plan, based on the numbers you enter here.
We work with you or your accountant to assemble a lender-ready package and projections.
The pass/fail floors use cash available for debt service (CFADS coverage), not raw EBITDA coverage.
Each item has a maximum point value. The total is 100. We show the lender term next to the plain-English name.
Every recommended action, not just the top three.
Bars are cash available for debt service (CFADS). The line is the monthly payment, including any interest-only period.
Opening working capital plus CFADS, less debt service.
Debt service coverage if sales fall (rows) and food cost rises (columns).
Share of sales. The black tick marks the benchmark ceiling.
Selected scenario versus Downside. The low cash month is highlighted. Runway is lowest cash divided by the amortizing monthly payment.
Payments and CFADS coverage if the interest rate rises. A miss under a rate shock is a condition, not an automatic decline (including on a fixed-rate loan, treated as a sensitivity).
Lendable value is market value times the advance rate. A shortfall against the loan is noted in the SBA style as unsecured exposure; it is not an automatic decline.
Global DSCR combines business CFADS and the guarantor’s personal cash flow. The policy threshold is 1.25x when guarantor figures are provided.
If this were an SBA 7(a) loan, here is a plain-English estimate of the SBA guarantee and the upfront guarantee fee. These are estimates only, for standard 7(a) term loans in fiscal year 2027. They are not a quote. Some loans (Express, veteran-owned Express, some manufacturers or rural loans) have different or waived fees.