LoanLens
Commercial loan readiness

Find out how a bank will see your business before you apply.

Get a free readiness score in under two minutes. No credit pull, no application, no documents, and no obligation.

Check my readiness See how it works
2 minutesNo credit pullNo obligation

Educational estimate only, not a loan offer or credit decision.

LoanLens / readiness overview

Overall readiness

Borderline

Focus on 3 issues to strengthen your position.

Needs workBorderlineStrong
63

Readiness / 100

DSCR

1.14x

Revenue trend

+8%

Margin

12%

Built on the same numbers commercial underwriters typically check — without pretending every lender uses the same rules.

DSCRCash flowDebt loadRevenue trend

From raw numbers to your next move

Clear. Measured. Actionable.

LoanLens turns your financial inputs into a focused, bank-realistic view — direct enough to use before you begin a formal application.

  1. 01

    Enter your numbers

    Revenue, profit, existing debt, requested amount, purpose, and a credit score band. No document upload required.

  2. 02

    See your readiness

    Understand how DSCR, cash flow, revenue direction, and debt load shape the picture.

  3. 03

    Fix what matters

    Get direct, ranked actions before a bank ever sees your application.

More than a calculator

The signals underwriters typically start with.

Debt coverage, revenue direction, profitability, existing debt, time in business, credit band, and possible lien signals. LoanLens cites your actual inputs back in plain English.

Revenue direction
Debt coverage
Loan type fit
Typical benchmarks

What the report explains

DSCR needs attention

Why debt coverage may draw attention and which changes could have the most impact.

Revenue is improving

How revenue movement and margin work together in a lender’s initial view.

Existing debt matters

Where current obligations could constrain new financing and what loan type may fit.

One decision, no subscription

Start free. Go deeper for $29.

Check where you stand at no cost, then unlock the detailed report only if it is useful.

Readiness Snapshot

$0

No card required

  • Strong, Borderline, or Needs Work label
  • Snapshot of the factors shaping your result
  • No credit pull or document upload
Check for free

Full Readiness Report

One-time purchase

$29

  • Line-by-line underwriting flags
  • Ranked fixes by likely impact
  • Estimated effect on key metrics
  • Loan type fit and rationale
  • DSCR explanation in plain English
  • A report tied to your inputs
Start with the free score

Common questions

Questions before you begin

Your data. Your decisions.

Better insight. Better position. Better outcome.

Bring your recent revenue, profit, and debt figures. LoanLens will turn them into a clear educational readiness estimate in under two minutes.

Check my readiness