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Fundability Review 

BizKata Fundability Review — Paged + Webhook
Fundability Fast-Track

BizKata Fundability Review

Rate each item from 1 (needs work) to 5 (strong). We’ll calculate your Fundability Score, tier, and top fixes.

Step 1 of 4

1) Business Identity & Structure Foundations lenders verify

Legal entity formed (LLC/Corp)

1 = not formed; 5 = fully formed & in good standing

EIN obtained & active

IRS EIN verified & used consistently

Business bank account (separate)

Dedicated account with consistent deposits

Matching address across all accounts

Same NAP everywhere

Dedicated business phone

Directory listable

Professional email

No freemail

Active website

Basic & consistent

Licenses/permits current

All up to date

2) Business Credit Profile Your visible credit footprint

D-U-N-S number created (D&B)

1 = none; 5 = active and verified D-U-N-S number

Accounts reporting

1 = no accounts reporting; 5 = strong credit file with multiple accounts

3+ active trade lines

1 = no vendor credit; 5 = 3 or more active trade lines reporting

PAYDEX ≥ 75 / Intelliscore ≥ 80

1 = scores below 60; 5 = PAYDEX 75 + / Intelliscore 80 +

No late pays / derogatories

1 = late payments or collections; 5 = clean credit history

Business credit card

1 = none; 5 = business credit card used and reporting

3) Financial Health Consistency beats spikes

Consistent monthly revenue

1 = inconsistent cash flow; 5 = stable monthly revenue and deposits

No negative daily balances

1 = frequent negatives; 5 = no negative balances in 90 days

Debt utilization below 50 %

1 = high utilization; 5 = below 50 %

Clean books

1 = disorganized; 5 = accurate and up-to-date accounting records

Filed business tax returns

1 = unfiled or late; 5 = 2 years on file

Gross margin > 25 %

1 = low margin; 5 = 25 % or higher

4) Lender Readiness Signals underwriters read

No stacked MCAs

1 = multiple daily payments or stacked MCAs; 5 = none active

Cash flow supports term-loan payments

1 = tight cash flow; 5 = clearly supports term-loan repayment

6 + months operating activity

1 = less than 6 months; 5 = consistent operations 6 + months

3 + business credit references

1 = none; 5 = 3 or more active credit references

Personal credit — fair +

1 = poor credit; 5 = fair or better personal credit score

Clear use of funds

1 = unclear purpose; 5 = defined growth plan for capital