Independent funding readiness platform
Helping business owners navigate funding with confidence
On a mission to give business owners accurate information about business funding, so they save time and money, without adverse incentives.
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The problem
Why business owners struggle
Three forces work against the owner at the same time.
Complexity
Too many products, and no clear map between them.
- SBA loans
- Bank loans
- Lines of credit
- Equipment financing
- Factoring
- Merchant cash advances
Information asymmetry
Owners rarely get to understand the terms they are signing.
- Factor rates
- Effective APR
- UCC filings
- Personal guarantees
- Debt-service coverage
- Lender requirements
Sales incentives
The system rewards closing, not fit. Many of the participants are paid when the funding closes, not when the best option for the owner is the one selected.
Voice of the customer
What business owners actually say
Behind the statistics there is a very human frustration.
I submitted one application and got 40 phone calls.
I still don’t know what I qualified for.
Nobody explained the contract. I signed because I needed the money.
Every lender told me something different.
The gap in the market
Every resource covers one slice
The resources that already exist are valuable, but each of them only covers a slice.
SBDCs
Great education and counselling.
Bankers
Deep knowledge of their own products.
Brokers
Can provide access to funding.
Online communities
Useful peer experiences.
Consultants
Can offer independent guidance.
The gap: no single resource gives a centralised, neutral understanding of the full funding landscape.
Introducing
An independent funding readiness platform
Helping business owners understand their funding options, before they engage any lender.
No lender ownership
Nobody who lends money has a stake in what the platform recommends.
No lead generation
Your details are not sold on to anybody.
No paid placement
No product ranks higher because somebody paid for it.
Educational first
Every term is explained in plain language before any decision.
Improves funding readiness
The point is not just to match products, but to make the business fundable.
Supports advisors
Built to support the advisors a business already trusts, never to replace them.
Why independence matters
Most funding tools are lead-generation platforms, lender-owned marketplaces or broker funnels. The difference shows in who stands between the owner and the decision.
Traditional model
Three parties are paid when the deal closes. None of them is paid for the deal being right.
Funding Audit
Nobody stands in between, because nobody is paid to.
How Funding Audit works
The business enters its information
The owner completes a short guided survey.
The platform evaluates the profile
Financial health, credit, risk and collateral.
Funding pathways are identified
Matched products across every category.
Risks and weaknesses are highlighted
What could hold an application back.
Everything is explained
Plain-language guidance on every term.
An action plan is produced
Clear steps to improve readiness.
For SBDCs, consultants and counsellors
Designed for advisors
Funding Audit helps advisors do more of what they do best.
Reduce intake time
The structured survey does the first pass.
Standardise assessments
A consistent framework for every client.
Improve client preparedness
Owners arrive informed and ready.
Identify obstacles earlier
Funding blockers surface up front.
Consistent recommendations
Repeatable, defensible guidance.
Focus time on strategy
Hours spent on advice, not on triage.
The funding readiness report
The output is not a list of lenders. It is a readiness grade, the products that actually fit, and what to fix to unlock better terms.
Readiness grade
Risk score
Estimated range
Matched products
Readiness snapshot
- A funding readiness grade, with a plain reading of what it means.
- A risk score across the dimensions a lender weighs.
- The estimated funding available, as a range rather than a false precision.
- Matched products with fit and estimated APR: SBA 7(a), lines of credit, equipment financing, term loans, invoice finance.
Improvement roadmap
What to fix to unlock better terms, in order:
- Raise the business credit score towards the target band.
- Reduce open UCC filings.
- Improve debt-service coverage.
- Add the missing months of statements to strengthen the revenue picture.
Report contents are illustrative. Actual grades, ranges and rates depend on each business profile.
Independence is the product
Revenue comes from the people the platform serves, never from lenders. That is not a policy, it is the whole reason the analysis can be trusted.
Built and maintained by experts
A team of engineers and funding specialists, combining financial domain knowledge with modern, secure technology.
Expert engineering team
Proven product and data engineers.
Proprietary models
Independent rate and term estimation.
Secure and independent
No data brokerage, by design.
An IAnser Vision product
Funding Audit is a platform of our own. If you want to see it, or explore something similar for your sector, let’s talk.
Go to myfundingaudit.com Get in touch