Business Loan Qualifier
Check if your business profile meets standard lending criteria before applying.
Business Details
Revenue minus operating expenses (before debt service)
Total annual payments on existing loans/leases
Personal/business FICO
Likely to Qualify
Your profile meets most standard lender criteria. Consider applying with SBA 7(a) or a community bank.
Debt Service Coverage Ratio
1.32×
Lenders typically require ≥ 1.25×
Qualification Checklist
Credit Score ≥ 650
Your score: 680. SBA/conventional lenders typically require 650+.
DSCR ≥ 1.25
Your DSCR: 1.32. Lenders want at least 1.25× coverage.
2+ Years in Business
Years in operation: 3. Most lenders require 2 years of history.
Annual Revenue ≥ 2× Loan
Revenue: $500,000. Loan: $150,000. Healthy ratio is revenue ≥ 2× loan amount.
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