Key Takeaways
- The Bankability Score is a 5-minute assessment of your business funding eligibility at Bankable Funds
- It evaluates 6 business factors including revenue, consistency, and bank health — not citizenship
- The score outputs a specific funding range: the minimum and maximum you can access today
- A score of 700+ indicates strong qualification; 500–699 indicates conditional eligibility
- The assessment is free, no-commitment, and does not affect your personal credit score
The Bankability Score is Bankable Funds' proprietary 5-minute business assessment that determines precisely how much funding your business qualifies for. Instead of running a personal credit check that penalizes non-citizens for limited US credit history, the Bankability Score evaluates your business's actual financial performance — the metrics that truly indicate whether a business can sustain funding.
The Bankability Score Scale
| Score Range | Status | Typical Funding Range | Next Steps |
|---|---|---|---|
| 800–1000 | Exceptional | $250K–$750K | Immediate full application |
| 700–799 | Strong | $100K–$500K | Full application recommended |
| 600–699 | Qualifying | $25K–$250K | Full application with documentation |
| 500–599 | Conditional | $10K–$100K | Conditional approval — specific improvements identified |
| Below 500 | Not Yet Eligible | N/A | Improvement roadmap provided |
What the Bankability Score Measures
- Revenue Volume (35% weight) — Average monthly revenue over the last 3–6 months
- Revenue Consistency (25% weight) — Month-to-month variance and trend direction
- Time in Business (15% weight) — Months of active business bank account history
- Industry Profile (10% weight) — Industry risk classification and market conditions
- Debt Service Coverage (10% weight) — Existing debt payments as percentage of revenue
- Bank Account Health (5% weight) — NSF events, negative balances, and deposit patterns
What the Bankability Score Does NOT Measure
- Personal credit score (FICO)
- Citizenship status or national origin
- US credit history length
- Personal net worth or home equity
- Collateral assets
How to Complete Your Bankability Score
Visit bankablefunds.com/bankability-score/ and answer 8–10 questions about your business's revenue, industry, and operating history. The initial assessment takes 5 minutes and delivers an immediate score and funding range. If your score qualifies you for funding, you'll be invited to upload bank statements and complete a full application.
Frequently Asked Questions
No. Business credit scores (Dun & Bradstreet PAYDEX, Experian Business, Equifax Small Business) measure payment history with vendors and creditors over time. The Bankability Score is Bankable Funds' proprietary assessment specifically for revenue-based funding eligibility. They measure different things for different purposes.
The initial Bankability Score assessment does not affect your credit score. A soft pull may be performed that is invisible to other lenders. Only if you proceed to a full application may a hard inquiry occur — and Bankable Funds will inform you before any hard pull is made.
Yes. You can reassess your Bankability Score at any time. If you've grown your revenue or improved your bank account health, a fresh assessment will reflect these improvements. Many business owners check their score quarterly as they grow.
A sub-500 score means your business is not yet at the revenue or maturity level for Bankable Funds products. The assessment provides a clear improvement roadmap: which factors need attention and by how much. Most businesses below 500 qualify within 3–6 months of focused revenue growth.
Ranges are estimates. Some businesses with 700-range scores qualify for more based on specific revenue patterns or exceptional time-in-business. The formal underwriting process after score completion produces a precise offer that may exceed the score-based estimate.
Revenue volume (35% of the score) is the highest-impact factor. Growing from $15,000/month to $25,000/month can increase your score by 80–120 points. Consistent growth over 3+ months is valued more than a single large spike.
Yes. All legal US business types are eligible for the assessment. Sole proprietors, LLCs, S-corps, C-corps, and partnerships can all complete the Bankability Score. The optimal structure for funding purposes is an LLC or corporation with a dedicated business bank account.
The assessment is designed for business owners and authorized representatives. If you're completing the assessment on behalf of a business you manage but don't own, note this in your application. Funding decisions are typically made with the business owner as the primary applicant.