Join our marketplace ready

We prepare you,we advise you,we match you.

The all-in-one platform for borrowers to receive the offers they deserve. Always ready.

How it works
AdvisePrepareMatch
01 · Advise

We tell you where you stand.

Answer six honest questions about your business. We score your profile against documented SBA lending patterns — the same signals lenders evaluate — and show you the gaps before you walk in.

  • Application Readiness Score against real lender criteria
  • Honest read of your strengths and gaps
  • No credit pull, no impact to your score
Baker shaping dough on a floured surface in her bakery kitchen
Application readiness
Maria's bakery, Atlanta
78/100
Time in business
Cash flow coverage
Personal credit
Collateral
Document pack
02 · Prepare

We get you ready.

Lenders fund borrowers who walked in prepared. We give you the three things that close the gap — and you keep all of them, whether you apply through us or not.

  • Lender conversation simulator — practice the meeting before you live it
  • Personalized document pack tailored to your loan and profile
  • Adaptive action plan that closes your specific gaps
Barber mid-cut with a client in a neighborhood shop
Lender simulator
Practice round · Cash flow
Live
Lender
Walk me through your cash flow over the last two years.
You
Revenue grew 31% year over year. Our slow months are January and February—we cover them from a reserve we set aside each fall…
Coach
Strong opener. Try leading with the reserve—it's the answer to the question they haven't asked yet.
03 · Match

We match you with lenders who want a borrower like you.

Lenders configure their own criteria — score range, loan size, industry, state. When your profile matches, you see them. Nothing about you reaches a lender until you decide to open that door.

  • Bidirectional matching against each lender's stated criteria
  • You opt in — lenders never see you without your permission
  • Respond to offers on your terms, in your time
Owner working at a wood bench in their small workshop
Indicative match · 1 of 3
Piedmont Community Bank
Indicative
$85k–$120k
Term7 yr
Rate range9.2–10.5%
FitStrong
Not binding · You open the door
Methodology
Trained on government lending data.

Our scoring model is built on hundreds of thousands of historical small business loan records and validated against Federal Reserve benchmarks.

Pricing
Free for borrowers. Always.

No fees. No subscriptions. No "premium tier." If you're a small business owner trying to get ready, you don't pay — not now, not ever.

Privacy
You stay in control.

No lender sees your identity or your profile without your explicit, recorded permission. The door only opens when you open it.

357,866
SBA loans analyzed
Public loan-level disclosures, 2010–2024
44%
Small-bank approval rate
Federal Reserve Small Business Credit Survey
$0
Borrower cost, permanently
No fees, no subscriptions, no premium tier
For the businesses banks miss

Preparation is the door that wasn't there before.

Most small business owners who get turned down aren't unqualified — they're unprepared, or they're walking into the wrong room. LoanReady was built so the first-generation borrower, the family-run restaurant, the corner shop, can walk in with the same preparation as a borrower with a banker in the family.

Frequently asked

Questions, answered plainly.

If something isn't here, the methodology page goes deeper.

Is LoanReady a lender?
No. We don't make credit decisions and we don't issue offers. We score your profile, prepare you for the meeting, and surface lenders who configured their criteria for a borrower like you. Every offer you see is from a lender, indicative, and non-binding.
Is LoanReady free?
Free for borrowers. Permanently. No fees, no subscriptions, no premium tier. Lenders pay us a flat fee when a match closes — that's the entire business model, documented on the methodology page.
What's an indicative offer?
A lender's stated willingness to talk, based on the criteria they configured and the profile you submitted. It is not a commitment to lend and the final terms are set in underwriting. We label every indicative offer as indicative — the conversation starts there.
How does matching work?
Lenders configure their own criteria — score range, loan size, industry, state, time in business, collateral. When your profile fits, the match surfaces in your dashboard. You see the lender; the lender sees nothing about you until you open the door.
Will lenders call me or email me?
No. All communication runs through the platform. Lenders cannot see your name, email, or phone number until you opt in to share — and even then, the conversation stays in-app for the first round. You decide when to take it offline.
Who built LoanReady?
A founder and a small team, building in public. The methodology page documents who we are, how the scoring model was trained, and which datasets validated it. We'd rather you read that before you trust us with your numbers.

Six questions. Then you'll know.

No credit pull. No email required to start. Free for borrowers, always.