Do You Cash Flow?
It's the first question every lender asks — and the answer determines whether your loan application moves forward or stops dead.
Why Cash Flow is King
Lenders don't care how much you make — they care about how much is left over after you pay your bills. That's cash flow, and it's the #1 predictor of whether you can service new debt.
A business owner making $500K/year with $480K in expenses is a worse candidate than someone making $150K with $100K in expenses. The math is simple: can you afford the payments?
The 5 C's of Lending
Every lender evaluates borrowers on these five criteria. Understanding them helps you know where you stand — and what to improve.
Cash Flow
Your ability to generate enough income to cover existing obligations AND the new loan payment.
Credit
Your track record of repaying debts. Credit score is important, but payment history matters more.
Collateral
Assets that secure the loan. If you default, the lender can recover value from these assets.
Capital
Your net worth and liquid assets. Shows you have skin in the game and reserves for tough times.
Character
Your reputation and integrity. Includes industry experience, business plan quality, and references.
Conditions
External factors: the economy, your industry's health, and how you'll use the funds.
That's All We Need for an Early Look
No mountain of paperwork. Just 4 types of documents give us a clear picture of your lending position.
Understanding Your Credit Score
Your credit score is a snapshot of your borrowing history. It tells lenders how you've handled debt in the past — and predicts how you'll handle it in the future.
But here's what most people don't realize: a good credit score doesn't guarantee loan approval. You can have a 780 score and still get denied if your cash flow doesn't support the payments.
What You'll Receive
Our analysts review your documents and deliver a comprehensive report within 2 business days.
Cash Flow Analysis
- Global cash flow calculation (personal + business)
- Debt service coverage ratio (DSCR)
- Monthly surplus/deficit breakdown
- Year-over-year trend analysis
Lendability Report
- Overall lendability score
- Strengths and weaknesses assessment
- Recommended loan types and amounts
- Action items to improve your position
Common Questions
Ready to Find Out Where You Stand?
Upload your documents now and get your free Cash Flow Analysis and Lendability Report in 2 business days.
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