Prep-first path

Not ready is not dead. It just means stop trying to sprint through wet cement.

Low-readiness results usually mean the file needs cleanup before a funding conversation has teeth.

Build the Checklist Retake Scorecard
Recovery plan

Build the file before chasing the bag.

1. Stabilize bank activity

Separate business and personal activity, reduce NSFs, and build a cleaner deposit pattern.

2. Prove revenue

Collect bank statements, processor reports, marketplace sales, invoices, or contracts that support business activity.

3. Clean the structure

Set up or confirm entity, EIN, business bank account, address, and basic operating records.

4. Narrow the ask

Match funding amount to current signals. A smaller, clear use case often beats a giant vague request.

5. Explain red flags

Prepare honest context for recent NSFs, liens, stacked payments, late payments, or suspended sales channels.

6. Re-score later

After cleanup, run the scorecard again to see whether readiness signals improved.

This page is educational. It does not provide credit repair, legal, tax, or lending advice.