Know your answer before the bank does.
Banks score your application against ratios and thresholds they never show you. LenderReady scores your file the same way — before you apply — and tells you exactly what to fix, in plain English.
Upload one financial statement. Get your first flagged issue in minutes. No credit card.
The bank reads your statements differently than you do.
When a lender opens your file, they're not reading your story — they're running your numbers against thresholds. Debt service coverage. Working capital. Leverage. Miss one and the answer is no, and nobody tells you which one it was. Most owners walk in confident and walk out declined, because confidence isn't the same as knowing your ratios.
Three steps to a file that clears.
Upload your documents.
Drop in a financial statement. Fredi extracts your numbers directly from the document — no forms, no retyping.
Get scored like a lender scores you.
Every ratio is measured against real Canadian lender thresholds — and explained twice: once the way a banker says it, once in plain English.
Fix the weak spots before you apply.
A prioritized fix list showing what to change first — plus a complete lender-ready file you own.
Every number, explained twice.
This is one item from a full LenderReady file. The Scanner shows you your first one free.
Built by a banker, not a chatbot.
LenderReady was built by a former commercial banker with over a decade inside Canadian banks — most recently as a commercial-banking Relationship Manager. Fredi scores your file the way that banker was trained to score it on the other side of the desk. The difference: this time, the analysis is yours.
One file. One fee. No subscriptions.
A consultant charges $2,500+ to prepare a lending package. LenderReady builds yours for — and you keep access to update it as your business changes.
Find out what the bank will see.
Upload one financial statement. Get your first flagged issue in minutes.
Before you scan
Is the Scanner really free?
Yes. Upload one statement, get your score preview and your first flagged issue. The full file — every ratio, the complete fix list, and the lender-ready package — is the paid product.
Which lenders' criteria do you use?
Thresholds used by major Canadian banks, credit unions, and BDC-style lenders. Built by a commercial lender, not scraped from blogs.
Is my financial data safe?
What if I already applied?
If you've been declined, see our Decline Review.