PrimePoint Capital Loan Readiness Check

Could a lender actually say yes?

A five-minute check that scores your business the way a CDFI or bank loan officer would — before you apply. You'll see a readiness score, your estimated debt-service coverage, and the specific things worth fixing first. No numbers leave this screen.

Time · about 5 minutes For · revenue-generating businesses Cost · free

01The business

02Cash & the ask

03Records & discipline

Your revenue engine

Lenders start here: does the business earn enough, reliably enough, to carry a payment?

Average monthly revenueTypical sales in a normal month.

Average monthly operating expensesEverything it costs to run the business each month — before any new loan payment.

Months in operation with real revenue

How would you describe your revenue pattern?

Steady or growing — predictable month to month

Seasonal but reliable — swings, but you know the pattern

Lumpy / unpredictable — hard to forecast

Flat or declining

Please fill in the numbers above and pick a revenue pattern.

Cash position & the ask

Your cushion today, the size of the loan, and whether the money has a job to do.

Cash on hand right nowMoney in the business bank account today.

How much are you looking to borrow?

How clearly can you explain what the money is for?

Line-itemed — I can show what each dollar buys and the return it drives

General categories — equipment, hiring, inventory, etc.

Directional — "to grow" or "for working capital"

Please fill in the numbers above and choose how you'd explain the use of funds.

Records & discipline

Underwriters trust businesses that can show their work — and set realistic expectations.

What shape are your financial records in?

Accountant-prepared — current P&L, balance sheet, tax returns

Bookkeeping software, current — QuickBooks/Wave, reconciled

Spreadsheets, roughly kept

Mostly in my head / receipts in a drawer

Do you have a written path to break-even or repayment?

Already profitable

Not yet, but I have a written plan with a date

A rough idea, nothing written

Not sure when we'll break even

What annual revenue growth are you projecting?Your honest expectation for the next 12 months.

Please choose both options above and enter a growth figure.

out of 100

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Debt-service coverage (DSCR)Monthly operating profit ÷ estimated loan payment. Lenders generally want 1.25 or higher.

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estimated

What a lender weighsScore

Fix these before you apply

Ordered by how much they'll move a lending decision.

Want a person to pressure-test this?

PrimePoint's Fit Screening is a free 20-minute call to see whether a Capital Readiness engagement makes sense for where you are.

This tool provides a directional self-assessment only. It is not a loan offer, a credit decision, or investment advice, and the estimated payment assumes illustrative terms (10% APR over 60 months) that will differ from any real offer. PrimePoint Capital does not raise capital on behalf of clients or accept success-based compensation.