Business Loan Broker · 500+ lender partners
Featured on The McCord List TV
Free Fundability Score · No credit pull

Is your business fundable in its own name?

Answer 14 questions in about 3 minutes. See your score out of 100, the gaps holding it down, and which of the 5 funding lanes are open to you today.

Ready now?If your business qualifies, funding can move as fast as the next business day.
Not ready yet?You'll see exactly what to fix first, in the order lenders read it.
3 minutesNo credit impactAnswers stay private
What your results show

See your business the way a lender will.

Your score

A number out of 100

Weighted across the four areas lenders check: foundation, financial strength, credit and capital readiness.

Your gaps

Ranked by what they cost you

The three fixes that move your score most, in the order to do them. No guessing which one comes first.

Your lanes

Which of 5 lanes are open

Raise Cash Flow, Grants, Financing, Government Contracting and Sponsorships, each marked open now or build first.

Why the ownership line matters

Lenders read who owns the business before anything else.

When you own your LLC directly, credit checks and personal guarantees land on you. When a parent company owns it, the business can build credit and borrow in its own name.

Common setupYouownsYour LLCLenderchecks you
Every application runs through your personal credit, and you sign for the debt.
Fundable setupParent companyownsOperating LLCLenderchecks thecompanyYou
The company carries the credit file, and your name comes off the ownership line.
Dr. Lynda A. Barnes
Who built the score

I got funded, then lost the business. Ownership was the reason.

I'm Dr. Lynda Barnes. I grew a mental health practice with loans, grants, contracts and sponsorships, and lost it because the foundation under it couldn't hold. Now I'm a Business Loan Broker, and this score checks the things I wish someone had checked for me.

$675,000in funding placed
500+lender partners
FormerFlorida DBPR state regulatory specialist
"She helps you, she pushes you, she tells you just like it is."

Vernetta B., childcare business owner

Questions

Will this affect my credit?

No. There is no credit pull. You answer questions about your business and we score the answers.

Do I need an LLC to take it?

No. The score works whether you have no entity yet, an LLC, a corporation or a nonprofit.

What happens after I get my score?

You'll see one recommended next step based on your answers. If you look ready, that's the free financing application. If not, it's the first fix.

Is the financing application really free?

Yes. As a Business Loan Broker, I'm paid by the lender at closing, not by you.

Dr. Lynda A. Barnes at her desk
Three minutes from now

You'll know exactly where your business stands.

Free. No credit pull. One clear next step, picked for your business.

3 minutesNo credit impact
This score is an education and preparation tool built from your answers. It is not a credit decision, a loan offer, a guarantee of funding, or legal, tax or financial advice. Funding amounts and timing depend on credit, revenue, documents and lender criteria. Dr. Lynda A. Barnes is a Business Loan Broker; brokerage is free to the borrower and paid by the lender at closing. Results described by clients are individual and not typical.