Pick up where you left off.
Whether you're writing your first business plan or preparing your operating numbers, LenderReady builds the file a lender actually wants to read — and tells you exactly what to fix, in plain English.
One-time pricing · no subscriptions · Canadian businesses seeking financing
None of these mean your business is weak — but any one of them can cost you the loan:
You get the no, but not the reason. So you can't fix what was actually missing before the next try.
The number you started with and the one you signed weren't the same — and by then it was too late to walk away.
They want one to two years of profit and cash flow — exactly what you don't have yet, and exactly when you need the money most.
The identical program gets a no at one branch and a yes at another — because one file was put together the way an underwriter expects, and the other wasn't.
Stop finding out what was missing after they say no. See your readiness score — free →
Talk it through with Fredi in about fifteen minutes and walk away with a banker-grade business plan.
Upload your real statements. Fredi scores them the way a lender does — see your readiness score free, then decide.
Paste or upload a plan and get an eight-criteria lender score in about thirty seconds. Private, no account.
Open the ScannerUpload a real financial statement and get your 0–100 readiness score, free — before you decide anything.
Run the free file scanTalk it through in plain conversation, or upload the documents you already keep. No jargon required on your side.
Every number comes back twice — in banker terms and in plain English — so you understand exactly where you stand.
A prioritized fix list tells you what actually moves the needle, and you leave with a lender-ready file you own.
DSC 1.42× on projected EBITDA; adequate coverage above the 1.25× threshold.
For every dollar of loan payment, the business is bringing in about $1.42 — a comfortable cushion, and above what most lenders want to see.
Every number, twice: the banker's version and the plain-English one. (Illustrative example.)
For years I sat on the lending side at a Canadian bank, reading these files from the other side of the desk — and sending most of them back. LenderReady builds your file the way I was trained to judge it: every number documented, every assumption defensible, scored against the criteria a lender actually checks before they fund you.
A real Canadian banker reads your file and tells you whether to submit, fix, or rebuild — before you apply, or after a decline.
One fee. No subscriptions. See full pricing →
No. There are no lender kickbacks steering you toward anyone. LenderReady helps you build your file — you decide where it goes.
You can — plenty do. But most rejections come from self-inflicted errors: a vague use-of-funds, projections a lender won't accept, a missing document. LenderReady flags those before they cost you the loan.
No one honest does — the lender makes that call. What you get is a file that walks in with the best shot the facts allow, with nothing obvious left on the table.
Start your first plan, or see your readiness score free. One fee, no subscriptions.