by Biz Lending Strategy
Bank Readiness, Automated
Stop Getting Denied. Start Getting Bank-Ready.
Know exactly where your business stands before a lender does — an automated score in minutes, or a full Report when the stakes are higher.
Built by a banker with 25+ years in credit — so you see your numbers the way a lender does.
- Debt service coverage
- 1.18x
- Current ratio
- 1.42
- Debt to equity
- 1.85
Top fix: bring debt coverage above where your lender wants it before you apply.
- Every number verified against your documents
- No credit check
- Encrypted upload and storage
- Questions answered within 24 hours
Pricing
Pick where to start
BankReady Checklist
The exact documents and ratios every lender checks — laid out in plain English, so you walk in prepared instead of guessing.
- The 9 documents lenders ask for, in one list
- Every ratio they'll calculate, explained simply
- 5 prep steps you can start today
BankReady Snapshot
Upload your financials and know where you stand in minutes — an automated Pass / Borderline / Needs Work score plus 3-5 fixes you can act on today.
- Automated Pass / Borderline / Needs Work score
- Full ratio breakdown — DSCR, current ratio, debt-to-equity, and more
- 3-5 tactical fixes you can act on immediately
- Delivered to your inbox within minutes
BankReady Report
The most complete read on your business — every number checked against your real documents, with a custom action plan built from exactly what a lender will flag.
- Everything in Snapshot, plus a deeper pass on your numbers
- A custom action plan built from your specific numbers
- Insight into exactly what a lender's underwriter will flag
- Every number checked against your real documents before anything is sent
Side by side
Snapshot vs Report
| Feature | Snapshot | Report |
|---|---|---|
| Delivery | In your inbox within minutes | Delivered within 1 business day |
| Score | Pass / Borderline / Needs Work | The same score |
| Ratios | Full breakdown: DSCR, current ratio, debt-to-equity and more | The same full breakdown |
| Commentary | Your score and ratios, explained | A deeper pass on your numbers, including what a lender's underwriter will flag |
| Review | Automated; held for review if something needs a closer look | Every Report is reviewed before it's sent |
| Action plan | 3-5 fixes you can act on today | A custom action plan built from your specific numbers |
| Price | $147 | $497 |
Ongoing Tracking
Know how you're trending, every month.
A one-time score tells you where you stand today. Monthly tracking tells you whether you're getting better: a full BankReady Report every month, with what changed since the last one and why.
Tracking starts with your $497 BankReady Report, paid at sign-up, so every month is measured against a full baseline. Your monthly plan begins 30 days later.
Owner Monthly
Upload your financials once a month and watch your BankReady score move, with a full Report on exactly what drove the change.
- A full BankReady Report every month
- What changed since last month, and why
- Your score history from your first Report on
- One business, tracked continuously
$497 for your first Report today, then $79/month starting 30 days later. Renews monthly until you cancel. Cancel any time with Manage subscription on your account page; cancel in the first 30 days and you never pay the monthly fee.
CFO Monthly
Track up to 5 client companies from one login, each with its own monthly Report and score history, built for a fractional CFO's portfolio.
- Up to 5 client companies, one account
- A full BankReady Report every month for each
- A separate score history for every company
- Add or swap companies as your portfolio changes
$497 for a Report on your first client today, then $129/month starting 30 days later. Renews monthly until you cancel. Cancel any time with Manage subscription on your account page; cancel in the first 30 days and you never pay the monthly fee.
Need more than 5? Email analyst@bizlendingstrategy.com to add companies at $50/mo each.
Already subscribed? Log in to your dashboard.
How it works
- Choose your tier
Free checklist, an instant Snapshot, or a fully reviewed Report — pick what fits where you are.
- Upload your financials
A secure upload page opens right after checkout — no separate account or login.
- Get your results by email
Snapshot lands in your inbox within minutes. Your Report arrives within 1 business day, with every number verified against your documents.
Why businesses get denied
Most declines come down to a handful of things a lender checks in your statements, and every one of them can be seen, and usually fixed, before you apply.
-
Cash flow doesn't cover the payments
Lenders check that your earnings cover your debt payments with room to spare.
BankReady checks this: your debt service coverage (DSCR).
-
Not enough cushion to pay the bills
Short-term assets that barely cover short-term bills read as a business running too tight.
BankReady checks this: your current ratio.
-
Too much debt for the equity
Heavy borrowing against a thin ownership stake makes a lender the one taking the risk.
BankReady checks this: your debt-to-equity ratio.
-
Statements that don't add up
Totals that don't tie out make an underwriter question every other number.
BankReady checks that your balance sheet ties out.
-
Shrinking sales or margins
A downward trend raises doubts about next year's payments, even when this year looks fine.
BankReady checks this when you upload more than one year.
-
Missing documents
An incomplete package stalls a file or ends it. The free checklist covers what to bring.
BankReady flags any figure missing from what you upload.
Your Snapshot or Report shows where your numbers stand and what to fix first.
Free tools for borrowers
Start preparing today, for free
Two free tools built around what a lender reads. Enter your email and we'll send them to you.
BankReady Checklist
The exact documents and ratios every lender checks — laid out in plain English, so you walk in prepared instead of guessing.
- The 9 documents lenders ask for, in one list
- Every ratio they'll calculate, explained simply
- 5 prep steps you can start today
13-Week Cash Flow Forecast
A week-by-week view of the cash coming in and going out over the next quarter — one of the first things a lender asks for when cash is tight or a loan is on the table.
- Weekly forecast that turns red below your cash cushion
- Actuals and variance, so each forecast gets sharper
- A one-page Lender Summary in plain English
- Works in Excel, Google Sheets and Apple Numbers
Educational tool — not financial, tax or legal advice. See what's inside
Who BankReady is for
- Owners getting ready to apply for a bank or SBA loan
- Owners who've been turned down and want to know why
- Growing businesses that want to stay bank-ready every month
- Fractional CFOs and advisors tracking several client companies
Frequently asked questions
How long does it take?
A Snapshot arrives by email within minutes. A Report arrives within 1 business day of receiving readable files. Monthly Reports usually arrive within minutes of your upload, or within 1 business day if something needs a closer look.
What do I need to upload?
A profit and loss statement covering your last 12 months (or your last full year) and a balance sheet as of the same date. A list of your loans helps us get debt coverage exactly right. Excel, CSV, Word and PDF files all work, including scanned statements.
Is my information secure?
Yes. Your files are uploaded over an encrypted connection and stored encrypted, used only to produce your analysis, and never sold. They're deleted 12 months after your order is delivered, or 12 months after a monthly plan ends, or sooner if you ask. See our Privacy Policy.
Do you check my credit?
No. BankReady looks only at the financial statements you upload. There's no credit check, and nothing affects your credit score.
Do you help with SBA or bank loans?
BankReady prepares you to apply by showing you what a lender will see in your numbers and what to fix first. It's a preparation service: we don't lend, broker loans, or guarantee approval.
Who checks my Report?
Every number in your Report is verified against the documents you uploaded before it goes out. If a figure can't be traced to your statements, the Report is held for an analyst to review instead of being sent.
Can I cancel a monthly plan?
Yes, any time. Click Manage subscription on your account page to cancel. It takes effect at the end of your current billing period, and you keep full access until then. Cancel during your first 30 days and you won't pay the monthly fee. You can also email us and we'll take care of it.
Which option is right for me?
Want a quick read on where you stand? Start with a Snapshot. Applying soon, or want the full picture and a plan? Get the Report. Want to watch your numbers improve every month? Choose a monthly plan, which starts with a Report. Not sure? Email analyst@bizlendingstrategy.com and we'll reply within 24 hours.