Before you ask for business financing, know what your file says.
LenderReady helps Canadian business owners organize their numbers, documents and growth story before meeting with a lender. Start with a free readiness check. If the file needs work, a fixed-price review tells you exactly what to fix, in what order.
The readiness check takes about four minutes, asks for no documents, and shows the full result before asking for an email.
Trades and home-service owners
HVAC, plumbing, electrical, landscaping and snow, construction subcontractors, automotive service. Established businesses run by the person who started them.
A growth project of $50,000 to $500,000
A truck or a piece of equipment. Working capital for a larger contract. A crew. A second location. Buying a competitor. Replacing expensive short-term debt.
A file a lender can read
A defined request, complete documents, projections with assumptions, and a plain explanation of how the investment pays for itself. You bring it to whichever lender you choose.
Most files are sent back for reasons the owner could have fixed in a week.
A viable business walks into a bank with a vague number, last year's statements, no year-to-date figures, and a projection that lives in the owner's head. The lender cannot say yes to that, and rarely explains why. LenderReady is the step before the meeting.
What LenderReady does
- Tells you which stage your file is at, and what is missing
- Gives you the document list for your specific purpose
- Reviews the file a human reads, with a written action plan
- Builds the cash-flow model and presentation package when you need them
What LenderReady does not do
- Lend money, arrange credit, or take a commission from any lender
- Promise approval, a rate, an amount, or a timeline
- Repair credit, or contact a lender on your behalf
- Give legal, tax, or accounting opinions. Your accountant stays your accountant.
Free first. Paid only when the file needs a second pair of eyes.
Financing Readiness Score
Fifteen questions about the business, the project, and the documents you have. You get a readiness stage, your strengths, the missing evidence, a document checklist for your purpose, and the next five things to do.
No documents, no account, no email required to see the result.
File Diagnostic
A human review of your actual file: statements, year-to-date figures, the request, and whatever projections exist. You get a written diagnostic with every gap named, in priority order, and a plan to close each one. Delivered within five business days of a complete intake.
Fixed scope. One written round of questions. No unlimited revisions.
Larger projects can add a 13-week cash-flow model, a lender presentation package, or the complete Growth-Financing Sprint. All services and prices.
A written document, not a dashboard.
Every finding names the evidence it came from, what a lender will make of it, and what to do about it. The example on the right is a page from a sample diagnostic for a fictional plumbing company. Read the whole sample.
| Year-to-date figures are seven months old. A lender will ask for interims to the last month end before reading anything else. Priority 1. | Interims |
| The $180,000 request is not tied to the $164,300 quote. Restate the ask as quote plus HST plus a named contingency, or explain the difference in writing. | Request |
| Debt service coverage on 2025 figures is 1.31x with the new payment. Above the 1.25x many lenders look for, but thin. Show the contracted work that lifts it. | Capacity |
| Payroll remittances current, HST return one quarter late. File it before the meeting and bring the confirmation. | Remittances |
Written by someone who read these files for a living.
LenderReady is built by a founder who spent ten years on the lending side of a commercial credit desk, reading small business files and recommending them for approval. The service applies the same order of reading a credit analyst uses: evidence first, then the request, then repayment capacity. No proprietary bank material is used, and no lender is involved in the review.
Your file stays yours.
The free check collects no documents. Paid intake happens through a private link, files go into a private storage bucket in Canada-friendly cloud infrastructure, and nothing is shared with any lender, broker, or third party. Documents are deleted on request and after the retention period. Analytics never see financial figures or file names.
Find out where the file stands.
Four minutes, no documents, the full result before any email. Then decide whether a review is worth $149.
Example result for a plumbing company hiring a second crew. Yours is calculated from your answers.