The Business Fundability Checklist is a free self-assessment with 60 checkpoints across the six areas lenders and automated underwriting systems check. Work through it before you apply for anything, and you will see what is finished and what still needs attention.
What it covers
The checklist is organized into six categories:
- Entity setup. Your legal entity, registered agent, operating agreement, bank account, and the rest of the foundation. This category has twelve checkpoints.
- Business identity. Name, address, and phone consistency, your DUNS number, a real street address, a domain-matched email, and your NAICS code.
- Bureau profiles. Your files at Dun & Bradstreet, Experian Business, and Equifax Business.
- Trade accounts. Net 30 accounts that report, payment history, and confirming that reporting is actually happening. This category has ten checkpoints.
- Banking. Account age, balance behavior, and overdraft history.
- Online presence. Your Google Business Profile, website, and the records lenders look for when they search for you.
How to use it
Go through it one section at a time and mark each checkpoint done or not done. Anything left open is your to-do list. Fix the foundation items first, since the later categories depend on them. For background on each category, see fundable in 90 days. If you have already been declined, start with why business credit applications get denied.
Get the checklist
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The checklist is for education. Completing it does not guarantee approval for any account. See the disclaimer.