SBA Loan Pre-qualification

Get a transparent, data-driven snapshot of where your business stands before you apply for SBA-backed funding.

Loan Payment Calculator
Estimate payments for SBA and alternative financing scenarios.

Business Loan Calculator

Enter details to see results.

Do Not Go Broke Machine
Keep tabs on your budget, expenses, and income before you reach the red.

DO NOT GO BROKE MACHINE 💸

Enter your numbers and pray. 🙏

Snapshot
Real-time signal derived from the inputs above.

Composite confidence

26

Ineligible

Profile needs strengthening

Lenders typically look for a credit score of 650+, two years in operation, and steady revenue before approving SBA-backed financing.

695

Personal credit score

$120,000

Annual revenue

Lenders typically look for a credit score of 650+, two years in operation, and steady revenue before approving SBA-backed financing.

Credit Strength

Target: 650+

695

Bridging the gap unlocks better rates.

Annual Revenue

Target: > $150k

$120,000

Aim for predictable monthly revenue before requesting higher loan amounts.

Years in Business

Target: 2+ years

3.0 years

Shorter history demands stronger documentation; consider SBA microloan options.

Action Plan & Resources
Follow the prioritized next steps and open the linked tools to keep momentum before you submit a loan application.
  • Focus on improving your credit and pay down high-interest balances.
  • Increase predictable revenue or bring a co-applicant with a longer operating history.
  • Use the checklist to gather required documentation before you reapply.
Document ChecklistBudget TemplateExpense Tracker

Disclaimer

This calculator provides an estimate only. Real underwriting decisions consider collateral, industry-specific risk, guarantor history, and lender appetite. Use it to guide your preparation, not as a commitment to financing.