Fundability Scorecard

Section 1

Personal Credit Health

This is your lender foundation.

40 Points

Payment History

No late payments in 24 months15 pts 1–2 late payments10 pts 3+ late payments5 pts Active collections0 pts

Credit Utilization

Under 10%10 pts 10–30%7 pts 30–50%4 pts Over 50%0 pts

Negative Accounts

None10 pts 1–25 pts 3+0 pts

Credit Age

5+ years5 pts 2–4 years3 pts Under 2 years1 pt

Personal Credit Total 0 / 40

Section 2

Business Foundation

Lenders fund structure, not ideas.

25 Points

LLC or Corporation registered5 pts

EIN active5 pts

Business bank account5 pts

Professional domain + email5 pts

411 directory listing5 pts

Business Foundation Total 0 / 25

Section 3

Fundability Compliance

Details determine approvals.

20 Points

DUNS registered5 pts

No personal address publicly listed5 pts

Lender-friendly NAICS code5 pts

Separate business phone line5 pts

Compliance Total 0 / 20

Section 4

Banking Strength

Cash flow matters more than credit score.

15 Points

Business account open 90+ days5 pts

Consistent deposits5 pts

No overdrafts in the last 90 days5 pts

Banking Total 0 / 15

Final Score

Calculate Your Fundability Score

Your totals update automatically as you complete the scorecard.

100 Points

Personal0 / 40

Business0 / 25

Compliance0 / 20

Banking0 / 15

Total0 / 100

Next Step

Your scorecard is complete. Continue to the next step.