Trustur AI
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Done for you in 10 minutes.
Receive a comprehensive diagnostic report that evaluates your business's financial health, debt capacity, and overall loan readiness so you can apply with confidence.
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Approaching a lender for a business loan without knowing your financial standing is a major gamble that can lead to costly rejections and hard inquiries on your credit report. A Business Loan Health Check Assessment is a comprehensive diagnostic blueprint that acts as a mock underwriter review before you ever submit an application. You need this critical assessment when you are preparing to scale, facing cash flow shifts, or planning to pitch to banks and alternative lenders within the next six months. A high-quality health check does not just list your debts; it actively stress-tests your debt service coverage ratio, uncovers hidden red flags in your credit profiles, and translates complex balance sheet metrics into the exact language underwriters use to evaluate risk. When done right, it gives you a clear, quantified score of your borrowing power alongside a step-by-step roadmap to optimize your financial profile, ensuring you walk into funding negotiations with total confidence and maximum leverage.
Most commercial banks and traditional lenders require a minimum DSCR of 1.25, which means your business generates 25% more operating income than is needed to cover your total debt payments. Some government-backed programs like SBA loans may accept a 1.15 ratio, while high-risk lenders might demand 1.35 or higher.
The assessment identifies the exact factors dragging down your score and highlights strong offsetting factors, such as high annual revenue or strong collateral, that can appeal to alternative lenders. It also provides a clear timeline of how long it will take to boost your credit to meet traditional bank guidelines.
Yes, because SBA loans have some of the strictest underwriting criteria regarding cash flow verification and personal guarantees. Running a health check first ensures you meet the SBA's global cash flow requirements and possess the necessary equity injection before you spend weeks on paperwork.
You will need your last three years of federal business tax returns, your current year-to-date profit and loss statement, a balance sheet, and your last six months of business bank statements. Additionally, you should have a debt schedule detailing all your current outstanding business liabilities and their monthly payments.
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