BizKata Fundability Review
See what’s holding your business back from the best lender approvals!
BizKata Fundability Review
Rate each item from 1 (not at all / needs work) to 5 (fully complete / strong). We’ll calculate your Fundability Score, tier, and top priorities to fix next.
0% complete
1) Business Identity & Structure Foundations lenders verify
Legal entity formed (LLC/Corp)
EIN obtained & active
Business bank account (separate)
Matching address across all accounts
Dedicated business phone
Professional email (yourname@domain)
Active website with contact info
Licenses/permits current
Tip: Any mismatch here can trigger an auto-decline. Keep identity details consistent everywhere.
2) Business Credit Profile Your visible credit footprint
D-U-N-S number created (D&B)
Accounts reporting on D&B / Experian / Equifax
3 + active trade lines reporting
PAYDEX ≥ 75 / Intelliscore ≥ 80
No late pays / derogatories
Business credit card in company name
3) Financial Health Consistency beats spikes
Consistent monthly revenue & deposits
No negative daily balances (90 days)
Debt utilization below 50%
Clean books (QuickBooks / Xero)
Filed business tax returns (last 2 yrs)
Gross margin > 25% (typical)
4) Lender Readiness Signals underwriters read
No stacked MCAs / overlapping daily payments
Cash flow supports monthly term-loan payments
6 + months consistent operating activity
3 + business credit references
Personal credit in fair + range (optional, helps)
Clear use of funds (growth vs. survival)
