Evidence first. Then the request. Then repayment.
That is the order a credit analyst reads a file in, and it is the order LenderReady works in. Nothing here predicts a decision. It gets the file into the shape where the decision is about the business, not about what was missing.
Take the free readiness check
Fifteen questions, four minutes, no documents. You get a readiness stage (Organizing, Gaps to close, Nearly ready, or Ready to meet), your strengths, the missing evidence, a document checklist for your purpose, and the next five actions. The result appears before any email is asked for, and the link to it contains only your answers.
Decide whether a review is worth $149
If the check says Ready to meet, you may not need anything else. If it says Gaps to close, the File Diagnostic turns that list into a written plan based on your actual documents rather than your answers about them. The product page says exactly what is included and excluded. File Diagnostic.
Pay, then complete a private intake
Checkout is handled by Stripe; LenderReady never sees your card. After payment you get a private link to a ten-minute intake: the business, the request, a summary of existing debt, where taxes stand, and an upload area for statements, year-to-date figures, the quote, and any projections. Missing items are fine. Naming them is part of the job.
A person reads the file
Not a model, not a chatbot. The review calculates the three ratios a lender will calculate from your statements, checks the request against the evidence, and writes down every gap in priority order with the fix. If something needs clarifying, you get one email and the status page says what.
Receive the diagnostic within five business days
A PDF on your status page and in your inbox. One written round of questions is open for ten days. The diagnostic ends with a plain recommendation: book the meeting, or build the model, or prepare the package, or fix these two things first and come back.
Walk into the meeting with a file that holds up
You choose the lender. You make the submission. LenderReady has no relationship with any lender and receives nothing from one. What changed is that the file now answers the questions before they are asked.
How the readiness score is calculated
The score is deterministic: the same answers always produce the same result, and the rules are written in one file that anyone can read. It measures how organized the file is. It never presents itself as a prediction of any lender's decision.
| Component | What it looks at | Points |
|---|---|---|
| Financial evidence | Last year's statements and who prepared them, year-to-date figures and how current they are, tax filing and remittance status | 35 |
| A defined request | A written quote, agreement, or budget; projections and whether the assumptions are written down; how the amount compares to revenue | 30 |
| Repayment signals | Current profit and cash-flow direction, existing debt and whether it is current, operating history | 25 |
| Owner contribution | What you are putting in yourself | 10 |
Totals map to stages at 80, 60, and 40 points. Five answers cap the stage regardless of the total, because a lender would raise each of them before reading further: remittances behind, no formal statements, an existing facility in arrears, a current operating loss, and under a year of history. The result explains any cap that applied.
The rules are versioned. Version 1.0.0 is current. Changes to weights are recorded in the site's public change log so a saved result can be read in context.
What you are not asked for
The free check asks for ranges, not figures, and no documents. The paid intake asks for the documents a lender would ask for and nothing more. At no point does LenderReady request account numbers, social insurance numbers, full tax returns, passwords, or online banking access, and it never will.