See What Your LoanFit Readiness Report Includes
Before you buy, review a sample of the insights LoanFit provides to help small business owners prepare for a stronger funding conversation.
Everything below uses fictional data for "Sample Business LLC." Your actual report will reflect your real business inputs.
Loan Readiness Score: Moderate
You have a reasonable foundation — there are areas to strengthen before applying.
Likely Lender Fit
Based on this profile, the following lender types may be a reasonable starting point. Fit depends on lender-specific criteria.
LoanFit does not refer to or connect you with lenders. This is informational guidance only.
Approval Gap Analysis
These are areas that may slow or complicate a loan application based on what lenders commonly review.
Below the 3-month expense buffer many lenders prefer
DSCR estimated at ~4.0x — acceptable, but tighter with new debt
Lenders may ask about top customer dependency
Strengths
- Established business with 4+ years of operating history
- Positive monthly cash flow ($7,417/mo)
- Available collateral to support the loan
- Credit score in lender-acceptable range (700–749)
Areas to Improve
- Existing debt load reduces available cash flow
- Cash reserves below 3 months of operating expenses
- Revenue concentration — top 3 customers represent ~60% of sales
Estimated Safe Borrowing Range
This range is estimated from monthly cash flow, existing debt obligations, and collateral availability. Actual loan amounts vary by lender and are not guaranteed.
Documentation Checklist
Documents that lenders commonly request for this type of loan and business profile.
30-Day Readiness Action Plan
A practical step-by-step plan for preparing to approach a lender within 30 days.
Pull 12 months of business bank statements and organize by month
Request YTD P&L and Balance Sheet from accountant or bookkeeper
Gather 2 years of business and personal tax returns
Document collateral: title, estimated value, photos if applicable
Write a 1-page use-of-funds summary explaining exactly how you will use the $120,000
Review LoanFit approval gaps and address the top 2 before meeting with a lender