1. Business Factors 2. Owner & Loan Factors 3. Likelihood Estimate Step 1: About Your Business Time in Business: Less than 1 year 1 - 2 years 2 - 5 years 5 - 10 years More than 10 years Current Business Profitability: Consistently Unprofitable Slightly Unprofitable / Recent Losses Break-Even / Marginally Profitable Moderately Profitable Consistently & Highly Profitable Business Credit Profile: No Established Business Credit / Poor History Limited or Fair Credit History Good Credit History Excellent & Extensive Credit History Collateral Availability for this Loan: Minimal or No Unencumbered Collateral to Offer Some Business/Personal Assets Available as Collateral Significant Liquid or Hard Assets Available as Collateral Perceived Risk of Your Industry: High Risk (e.g., highly volatile, new/unproven sectors) Medium Risk (e.g., competitive, moderate fluctuations) Low Risk (e.g., stable, established demand) Step 2: About the Owner(s) & Loan Primary Owner's Personal Credit Score Range (approx.): Very Poor (e.g., below 600) Poor (e.g., 600 - 649) Fair (e.g., 650 - 699) Good (e.g., 700 - 759) Excellent (e.g., 760+) Not Sure / No Credit History Primary Owner's Years of Experience in This Industry: Less than 2 years 2 - 5 years 5 - 10 years More than 10 years Significance of Requested Loan Amount (relative to business size/capacity): Small / Easily Manageable Moderate / Standard Amount Large / Significant Stretch for the Business Step 3: Guarantor Requirement Likelihood Estimate Download Summary as PDF Previous Next / Estimate
