Business Funding Estimator

Estimate how much funding a business can qualify for when the owner signs as personal guarantor. Enter the owner's credit and the business's numbers to see which products fit, likely amounts, and what to fix first. Loaded with an example. Replace it with your own numbers.

The business

Business name Optional, used in the summary

Entity type

Industry risk Higher-risk: trucking, restaurants. Restricted: cannabis, gambling

Time in business Months since formation

Annual revenue Gross deposits, last 12 months

Avg. monthly bank balance Business account

NSFs / overdrafts Last 3 months

Monthly business debt payments Loans, advances, leases

Business credit (Paydex)

Monthly revenue: — · Debt payments as share of revenue: —

Lender-ready foundation

EIN issued Business bank account Business address (not a home or P.O. box) Business phone, listed in 411 Website and domain email D-U-N-S number

Owner as personal guarantor

Owner's credit score FICO, 300–850

Personal card utilization

Highest personal card limit Issuers often match this

Oldest personal account

yrs

Hard inquiries Last 6 months, per bureau

New personal accounts Last 12 months

Late payments Last 24 months

Open derogatories Collections, charge-offs, public records

Owner's annual income Personal, all sources

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