Skip to content
LenderReady Check my readiness
Fixed-price service

File Diagnostic

A person reads your financing file the way a credit analyst reads it, and writes down every gap in priority order with the fix for each. You get the diagnostic within five business days of a complete intake, and one written round of questions afterwards.

$149 CAD, one-time, plus GST/HST

Read a sample

Secure checkout by Stripe. You pay first, then complete a private intake. Your card details never touch LenderReady's servers.

Is this the right service?

Best fit when at least two of these are true:

  • You run an owner-operated business in Canada with at least one full year of statements
  • You plan to ask for roughly $50,000 to $500,000 for a defined growth project
  • You want to know what a lender will push on before you sit down, not after
  • Your readiness check came back at Gaps to close or Nearly ready

Not a fit: pre-revenue startups, consumer or mortgage credit, businesses outside Canada, or anyone looking for someone to negotiate with a lender for them.

Not sure? Take the free readiness check first.

Exactly what you receive

  • The written diagnostic (PDF, typically 4 to 7 pages).Readiness stage with reasons. Every gap named, in priority order, with the evidence it came from and the fix. The three ratios a lender will calculate from your statements, calculated and explained.
  • A document checklist for your request,marked as have, missing, or needs updating, based on what you uploaded.
  • The questions to expect in the meeting,specific to your file, with a note on how to answer each honestly and well.
  • One written round of questions,open for ten days after delivery, answered within two business days.
  • A recommendation on what, if anything, to buy next,including "nothing, book the meeting" when that is the honest answer.

What you need to provide

  • Last fiscal year's financial statements (accountant-prepared if they exist, bookkeeping reports if not)
  • Year-to-date figures, whatever you have
  • The quote, agreement, or budget for the project, if one exists
  • Any projections, however rough
  • A short intake form: the business, the request, existing debt in summary, and where taxes stand

Not requested, ever: account numbers, SINs, full tax returns, passwords, or bank logins. Upload what you have; the diagnostic will say what is missing.

Turnaround

Five business days

Counted from a complete intake. If something is missing, the status page and an email tell you exactly what, and the clock restarts when it arrives.

Revisions and calls

One written round, no calls

Questions about the diagnostic are answered in writing within two business days, once. A review call is part of the Growth-Financing Sprint, not this service.

Price and taxes

$149 CAD

One-time. GST/HST is calculated by Stripe from your billing address and shown before you pay (15% HST in PEI, for example). Paid by card through Stripe. Receipt by email, with the GST/HST number for your input tax credit.

Cancellation and refunds

Full refund until review starts

Cancel for a full refund any time before your intake is submitted. Once a reviewer has opened the file, the time is spent and the fee is final. If the diagnostic is not delivered within ten business days of a complete intake, you are refunded in full. Refund policy.

Privacy and retention

Private link, private bucket

Intake happens through a link only you hold. Files sit in a private, access-controlled bucket, encrypted in transit and at rest. They are deleted 180 days after the order, or sooner on request. Security and privacy.

The boundary

Preparation, not a decision

LenderReady is not a lender or broker, receives nothing from any lender, and does not contact one for you. The diagnostic describes your file. Whether to lend is entirely the lender's decision, made on their own policy.

What is excluded

  • Building the projections or the cash-flow model for you (that is the 13-Week Cash-Flow Model)
  • Writing the lender presentation (that is the Lender Presentation Package)
  • Legal, tax, or accounting conclusions. The diagnostic will tell you when to ask your accountant a specific question.
  • Personal credit repair, consumer debt, or mortgage applications
  • Introductions, negotiations, or any contact with a lender

Compare all services or read the FAQ.

Order the File Diagnostic

$149 CAD plus GST/HST. Pay, complete a ten-minute intake, upload what you have, and receive the written diagnostic within five business days.

Take the free check first