BizKata Fundability Review
See what’s holding your business back from true 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)
Why Even Small Credit Gains Create Big Business Opportunities
Even a small boost in your personal credit score can unlock powerful advantages for your business:
-
Better Loan Approvals – Lenders look closely at the owner’s credit. Moving your score up even 20–30 points can shift you from “denied” to “approved.”
-
Lower Interest Rates – Higher credit = less risk in the eyes of banks. That means you keep more money in your pocket instead of paying high rates.
-
Bigger Credit Lines – Small increases in creditworthiness often lead to larger approvals, giving you more capital to grow.
-
Stronger Vendor Relationships – Suppliers and vendors may extend better payment terms when your credit is solid, helping your cash flow.
-
Business Confidence – With your personal credit in order, you’ll have the leverage and peace of mind to pursue bigger contracts and opportunities.
👉 Bottom line: Raising your score just a little can tip the scales in your favor — opening doors to funding and growth that were previously out of reach.
Get Started Today!
How Credit Enhancement Works?
-
Enroll Today – Secure checkout and instant portal setup.
-
We Review Your Reports – Our team analyzes all 3 bureaus for errors or negative items.
-
We Take Action – Disputes are drafted and mailed for you—professionally and efficiently.
-
You See Results – Track updates in your portal and get closer to being lender-ready.
