Merchant Cash AdvanceTerm LoansSBA LoansLine of CreditEquipment FinancingMore →

Industries We Serve

Get started →
← Back to Resources
Financial Checklist

Financial Health Checklist

Check off 24 factors lenders evaluate — across cash flow, credit, accounting, and operations. See where you stand and what to fix before you apply.

Cash Flow & Liquidity

0/4
  • My business has been cash-flow positive for at least 6 months
    high
  • I have at least 3 months of operating expenses in reserve
    high
  • My accounts receivable are collected within 45 days on average
    medium
  • I know my DSCR (Debt Service Coverage Ratio)
    high

Credit & Debt

0/5
  • My business has an established credit profile (Dun & Bradstreet, Experian Business)
    high
  • My personal credit score is above 650
    high
  • I have no outstanding tax liens or judgments
    high
  • My existing debt payments are current with no late payments in the last 12 months
    high
  • My total existing debt does not exceed 2x annual revenue
    medium

Accounting & Records

0/5
  • Business and personal bank accounts are completely separate
    high
  • I use accounting software and reconcile monthly (QuickBooks, Xero, etc.)
    medium
  • My last 2 years of business tax returns are filed and available
    high
  • I have 6 months of business bank statements ready
    high
  • All payroll taxes and quarterly estimated taxes are current
    high

Business Operations

0/5
  • My business has been operating for at least 2 years
    high
  • I have a formal legal entity (LLC, S-Corp, C-Corp)
    medium
  • My business has an EIN and active business checking account
    high
  • I carry appropriate business insurance (GL, professional liability, etc.)
    low
  • My customer base is diversified (no single customer > 25% of revenue)
    medium

Lender Readiness

0/5
  • I know how much I need and have a specific use of funds
    high
  • I can clearly articulate my business's repayment source
    high
  • I understand the difference between my loan options (SBA, term loan, LOC, equipment)
    medium
  • I have a business plan or executive summary ready
    medium
  • I know my approximate current FICO and business credit scores
    high

Your Score

0%
Needs Work

Traditional financing is unlikely right now. Focus on the high-impact items first.

High-Impact Items
0/16

These matter most to lenders

Cash Flow & Liquidity
0/4
Credit & Debt
0/5
Accounting & Records
0/5
Business Operations
0/5
Lender Readiness
0/5

Frequently Asked Questions

Know where you stand — now find what fits

Pezzula matches businesses to lenders based on their actual profile — not a generic calculator. Tell us what you need and we'll show you what you qualify for.

Get a Free QuoteFinancial Ratios Calculator

Related Resources

Financial Ratios Calculator

Calculate DSCR, current ratio, and 6 other key ratios lenders use to evaluate your business.

Break-Even Calculator

Understand your unit economics and contribution margin before you apply.

Working Capital Tool

Measure current ratio, quick ratio, and identify liquidity gaps in your balance sheet.

Business Loan Calculator

Estimate monthly payments and total cost for any loan amount and term.