How to Know if Your Business Is Fundable (5-Minute Scorecard)

Written By Blueprint Capital Services

Introduction

Are you wondering if your business is truly ready for funding? Whether you're seeking working capital, equipment financing, or expansion support — the first question lenders ask is: Are you fundable?

In this article, we’ll show you how to quickly assess your loan readiness using a simple scorecard — no financial jargon, just straight answers.

Why Fundability Matters

Fundability is what determines whether lenders see your business as “low risk” or “high opportunity.” It impacts:

  • Loan approvals

  • Interest rates

  • Funding amounts

  • Your negotiating power

The good news? You can measure and improve it.

The 5-Minute Funding Scorecard

Here’s what most lenders look for before offering capital:

  1. Business Revenue
    Consistent revenue (ideally $100k+/year) and a steady growth trend.

  2. Time in Business
    At least 6–12 months preferred. 2+ years is a strong indicator.

  3. Credit Score
    Both personal and business credit matter. A 600+ score is the typical minimum for better terms.

  4. Use of Funds
    Clear, strategic reasons for funding — such as inventory, expansion, or equipment.

  5. Collateral or Personal Guarantee
    Not always required, but definitely strengthens your case.

How to Get Your Actual Score

You don’t have to guess.

Use our free Loan Readiness Calculator to instantly see your funding score and understand where you stand — in under 2 minutes.

✅ It’s free
✅ No impact on credit
✅ Built for real business owners

Final Thoughts

If your score isn’t perfect, don’t worry — it’s a starting point, not a rejection. Blueprint Capital Services can help you improve your fundability and match you with the right lender for your needs.

Ready to See Your Score?

👉 Check Your Funding Score Now
👉 Or Schedule a Free Consultation

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Blueprint Capital Services