Business lending planning tool
Business Loan Eligibility & Readiness Check
Build a transparent readiness score, identify the strongest evidence and the main friction, then see the most useful lending-review path and document checklist.
Transparent scoreEvery category is shown
No fake approvalNo Yes/No eligibility claim
Purpose-specific pathWorking capital, assets or property
Secure enquiry relayNo third-party form URL in this page
2–3 minute check
How lender-ready is the application?
Choose the closest honest answer. The result is useful only when the inputs reflect the current business position.
Your result
Business lending readiness
A transparent internal planning result based on the answers entered.
Readiness result
—
—
—out of 100
Positive evidence selected
Friction and confirmation points
| Category | Your answer | Readiness contribution | Points |
|---|
Method
What the score does — and does not do
The score measures preparation and evidence quality. It is deliberately separated from lender-specific eligibility.
Transparent categories
The 100-point framework covers trading history, revenue scale, trend, profitability, conduct, ATO position, credit profile, documents, bookkeeping and evidence clarity.
Major-friction caps
Recent account issues or unmanaged ATO arrears prevent a high raw score from being described as a strong starting position.
No approval threshold
75 or 55 are internal readiness bands, not lender policy cut-offs. A lower score can still have a path, and a high score can still be declined.
Amount context
The amount-to-annual-revenue marker is arithmetic context only. Revenue is not profit, serviceability or borrowing capacity.
Purpose-specific documents
The checklist changes for equipment, commercial property, acquisition, refinance, working capital or tax-debt requests.
Human review required
Credit reports, bank statements, tax information, security, cash flow and legal structure must be reviewed before a real lender recommendation.
Next steps
Continue the business finance research
Broker guideCommercial & Business Loan BrokerDiscuss working capital, acquisitions and secured lending.
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CalculatorEquipment Finance CalculatorModel asset repayments, fees and balloon structures.
CalculatorCommercial Property CalculatorModel deposit, costs and commercial property repayments.
ToolsAll Rate Challenge CalculatorsExplore the wider finance planning toolkit.
ContactSpeak with Rate ChallengeAsk for a real lender-fit and documentation review.
FAQs
Business loan readiness questions
Does a high score mean I am eligible?
No. It means the selected evidence looks more prepared within this internal framework. A lender still assesses policy, cash flow, credit, security, purpose and documents.
Why is there no Yes/No result?
A public scorecard cannot safely reproduce every lender's policy or credit judgment. The tool shows readiness, friction and the next review path instead.
Can a sole trader use the check?
Yes. Select sole trader as the structure. The document checklist will still focus on revenue evidence, bank statements, tax information and identity details.
What if I have ATO arrears?
Select the current position honestly. A formal plan and unmanaged arrears are treated differently in the readiness result, but neither produces a lender approval prediction.
What if there were recent dishonours?
Recent account conduct is shown as major friction and caps the readiness outcome. A broker can assess severity, explanations and whether any current lender path remains.
How are revenue and requested amount used?
Revenue contributes to the preparation score in broad bands. The amount-to-annual-revenue figure is displayed as scale context only and is not a borrowing limit.
What documents should I prepare?
Common items include business bank statements, BAS, financials or management accounts, ATO position, ID, structure details and evidence supporting the loan purpose.
Are interest rates shown?
No. A readiness score cannot determine product eligibility, security, term or pricing. Rates become relevant only after a real scenario and lender path are established.