A Bankability Score is a free, no-credit-check assessment that evaluates your annual revenue, time in business, credit tier, and industry risk to estimate your business funding eligibility for loans and lines of credit up to $5M. Results are instant, and your data is never stored or shared. Learn more about bankability.
Key Takeaways
- Evaluates your business across 4 key funding criteria used by real lenders
- No credit check, no personal information required — completely free
- Instantly see which loan products you are most likely to qualify for
- Used by 2,400+ business owners to prepare for successful funding applications
Gross annual sales from last 12 months or tax return.
How the Score Works
| Factor | Weight | What Lenders Evaluate |
|---|---|---|
| Annual Revenue | 35% | Consistent, verifiable gross revenue. $250K+ opens most doors. |
| Time in Business | 25% | Operational track record. 2+ years is the sweet spot. |
| Credit Score | 30% | Personal credit health. 680+ for best rates. |
| Industry Risk | 10% | Sector-specific default rates affect available terms. |
How to Check Your Bankability Score
The calculator takes less than 30 seconds. Here is exactly what each step involves and why it matters for your funding eligibility.
Enter Your Annual Revenue
Revenue is the single largest factor (35% weight). Enter your gross annual sales from the last 12 months or most recent tax return. Businesses generating $250K+ per year unlock the widest range of loan products.
Select Time in Business & Credit Range
Lenders use operational history (25% weight) and credit tier (30% weight) to gauge repayment risk. Businesses with 2+ years of operations and owner credit scores above 680 qualify for the most competitive rates. You are selecting a range, not providing your exact score.
Choose Your Industry
Industry risk accounts for 10% of your score. Sectors like medical practices and professional services carry lower default rates. Higher-risk industries such as construction and restaurants may see slightly lower scores but still have strong funding pathways.
Get Your Instant Eligibility Estimate
Your Bankability Score (0–100) appears immediately along with the specific loan products you are most likely to qualify for. No waiting, no follow-up emails. Ready to move forward? Start your application or call us at (786) 443-5511.
What Your Score Means
| Score Range | Tier | What It Means |
|---|---|---|
| 80–100 | Elite | Qualifies for premium products: SBA 7(a) loans, bank term loans at single-digit APR, and unsecured lines of credit up to $250K. |
| 60–79 | Moderate | Solid fundamentals. Eligible for equipment financing, mid-prime lines of credit, invoice factoring, and revenue-based working capital. |
| Below 60 | Developing | Fundable through targeted products: merchant cash advances, secured business credit cards, short-term bridge loans, and microloans up to $50K. |
What the Bankability Score Does Not Use
Your privacy matters. The Bankability Score is designed to give you useful information without asking for sensitive personal data. Here is what we never request or access:
No Personal Credit Pull
We never access your credit report. You select a general range (e.g., 650–720), and the calculator uses that bracket. No hard inquiry, no soft inquiry.
No SSN Required
You do not need to enter your Social Security Number, EIN, or any government-issued identification to check your score.
No Impact on Your Credit Score
Because there is no credit pull of any kind, checking your Bankability Score has zero effect on your FICO, VantageScore, or any other credit metric.
Data Not Stored or Shared
The calculation runs entirely in your browser. We do not store the numbers you enter, and we never share your information with third parties. Non-citizen and visa-holder business owners can use the tool with confidence.
Frequently Asked Questions
No. The Bankability Score is not a FICO score, VantageScore, or any form of credit rating. It is an internal eligibility estimate based on four self-reported business metrics: revenue, time in business, credit tier, and industry. It is designed to give you a directional reading of which funding products you may qualify for, not to replace a formal credit assessment.
No. The calculator runs entirely in your browser and does not pull your credit report. There is no hard inquiry, no soft inquiry, and no data transmitted to any credit bureau. Your FICO and VantageScore remain completely unaffected. See what documents are needed only when you decide to move forward with a formal application.
There is no minimum score required to get funded. A score of 80+ opens premium products like SBA 7(a) loans. Scores in the 60–79 range qualify for equipment financing and lines of credit. Even scores below 60 match with merchant cash advances, bridge loans, and microloans. Every business has funding options.
Yes. The Bankability Score does not ask about citizenship or immigration status. Non-citizen business owners, including those on E-2, L-1, H-1B, and other visa types, can use the calculator and apply for funding. Recent SBA citizenship rule changes in 2026 have expanded eligibility for non-citizen entrepreneurs.
The score is based on the same four criteria that lenders use during initial screening: revenue, time in business, credit tier, and industry risk. While it cannot account for every variable (such as outstanding liens, cash flow seasonality, or collateral), it provides a reliable directional indicator. Over 2,400 business owners have used it to prepare for successful funding applications.
You will see your score, a tier label (Elite, Moderate, or Developing), and a list of loan products you are most likely to qualify for. From there, you can start a formal application online in about 5 minutes, or call us directly at (786) 443-5511 to speak with a capital advisor. There is no obligation, and decisions are typically delivered within 48 hours.