u/jeffm1503

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : ([http://ready4fund.com\](http://ready4fund.com))

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

Let me know if you would like a link to the site or have any questions in the general about business funding!

I've worked in commercial lending and underwriting for several years, reviewing hundreds of small business funding applications.

One thing I've noticed is that many businesses get declined or receive much smaller offers than they could qualify for; not because they're bad businesses, but because of a few factors they don't realize lenders care about.

Some of the most common issues I see:

• Too many negative balance days
• Existing MCA positions
• Low average bank balances
• Inconsistent deposits
• Revenue trends moving in the wrong direction
• Personal credit issues

Many of these are fixable before applying.

To better understand these patterns, I built a free funding-readiness assessment based on the same factors lenders commonly evaluate. It gives a score, highlights strengths and weaknesses, and suggests ways to improve your funding profile.

I'd genuinely appreciate feedback from business owners here. Is this something you would find useful before applying for financing?

Happy to answer any questions about lending, underwriting, approvals, declines, or what lenders are looking for in today's environment.

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

Lmk if you would like a link to try it out :)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should give you a detailed breakdown of what to do.

The site is : (http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : [ready4fund.com](http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : [ready4fund.com](http://ready4fund.com)

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : ready4fund.com

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I have a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

The site is : ready4fund.com

if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : ready4fund.com

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors.

I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.

It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : ready4fund.com

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors. I know it's been a rough couple of months for a lot of businesses so I made something that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.
I've built a scoring model with my experience and should work to help businesses .

The site is : ready4fund.com

If you have specific questions about how to make your business look better in the eyes of lenders feel free to send me a message

Most small business owners apply for a merchant cash advance with no idea what lenders are actually looking at. They get declined, don't know why, and either give up or apply somewhere else and get declined AGAIN.

After reviewing a lot of these files I noticed the same issues coming up over and over. Thought it might be useful to share. Some of these aren't even things you would commonly think are important to running a successful business IMO, but lenders do care.

The biggest ones:

Average negative days in the bank account matters more than almost anything else. Lenders look at how many days per month your balance goes below zero. More than 6 and most will auto-decline regardless of your revenue. The most recent month is the most IMPORTANT month, if you can hold back from applying during a bad negative day month and think the next month will be better, apply THEN.

Applying with a generic email address (gmail, yahoo, etc). You wouldn't think that matters, but having a business email address alongside some decent online presence can save a good business from getting declined.

Deposit frequency is something most people don't think about. Two or fewer deposits per month tells a lender your business isn't generating consistent activity even if the dollar amounts look fine.

Revenue below $8,000 a month puts you below the floor for most lenders. It's not that they won't work with smaller businesses, it's that the math on their end doesn't work at that level.

Stacking is a bigger deal than people realize. If you already have two or more active advances, most lenders either won't touch you or will require payoffs before issuing new funding. If they do give you an offer, the buy rate (fun word for MCA interest rate), will be even more abysmal.

I actually built a free tool that runs through all of this automatically. It is a work in progress, but I think its pretty useful; you answer 14 questions about your business and get back a plain-English breakdown of where you stand and WHAT TO FIX before you apply. No credit pull, completely free, and hopefully it helps you in your journey.

ready4fund.com

Im happy to answer any questions about how the underwriting process actually works and if you have any feedback for my tool, feel free to leave that as well

Most small business owners apply for a merchant cash advance with no idea what lenders are actually looking at. They get declined, don't know why, and either give up or apply somewhere else and get declined AGAIN.

After reviewing a lot of these files I noticed the same issues coming up over and over. Thought it might be useful to share. Some of these aren't even things you would commonly think are important to running a successful business IMO, but lenders do care.

The biggest ones:

Average negative days in the bank account matters more than almost anything else. Lenders look at how many days per month your balance goes below zero. More than 6 and most will auto-decline regardless of your revenue. The most recent month is the most IMPORTANT month, if you can hold back from applying during a bad negative day month and think the next month will be better, apply THEN.

Applying with a generic email address (gmail, yahoo, etc). You wouldn't think that matters, but having a business email address alongside some decent online presence can save a good business from getting declined.

Deposit frequency is something most people don't think about. Two or fewer deposits per month tells a lender your business isn't generating consistent activity even if the dollar amounts look fine.

Revenue below $8,000 a month puts you below the floor for most lenders. It's not that they won't work with smaller businesses, it's that the math on their end doesn't work at that level.

Stacking is a bigger deal than people realize. If you already have two or more active advances, most lenders either won't touch you or will require payoffs before issuing new funding. If they do give you an offer, the buy rate (fun word for MCA interest rate), will be even more abysmal.

I actually built a free tool that runs through all of this automatically. It is a work in progress, but I think its pretty useful; you answer 14 questions about your business and get back a plain-English breakdown of where you stand and WHAT TO FIX before you apply. No credit pull, completely free, and hopefully it helps you in your journey.

ready4fund.com

Im happy to answer any questions about how the underwriting process actually works and if you have any feedback for my tool, feel free to leave that as well

Hi everybody,

I work in commercial lending on the risk side and deal with countless small businesses in need of funding/capital. I realized in a lot of cases, these businesses are being declined or receiving heavily capped offers (either shorter term or max funding amounts) due to very controllable factors. I know it's been a rough couple of months for a lot of businesses so I built a tool that I feel can help business owners understand what they can do in order to get the most and cheapest capital possible.
It's still in the relatively early stages but I've built a scoring model with my experience and should work.

The site is : ready4fund.com

Feel free to leave any feedback or if you have specific questions about how to make your business look better in the eyes of lenders, send me a message!