Business Funding Engineering

Business Capital 911

Business Fundability Intelligence at Your Fingertips

Business Capital 911 is our free interactive analysis. Our AI underwriting expert reads your bank statements the way a lender will, shows you what to fix, and sizes your request so the payments fit your cash flow. You finish with a verified, actionable funding profile.

Check my Fundability in 60 seconds Start my free analysis
  • 8short steps
  • ~45minutes
  • $0upfront fees
  • 0hard credit pulls
From the team behind Credit One USA, helping owners build fundable profiles since 2009.
Example fileLive analysis
72Fundability Score
True monthly sales$42,300
Right-sized up to$42,000
StatusFund-Ready in 30-90 days
Cash flow24/30
Bank conduct17/20
Existing debt11/20
Owner credit12/20
Foundation8/10
  • Your latest month is lightSubmit after a normal month: lenders re-check month-to-date deposits.
  • Transfers removedLenders count $42,300 a month, not $47,300.
Why it's different

We don't submit applications. We engineer borrowers.

A typical broker sends four statements and a one-page app to whoever pays the most, and hopes. We find what a lender will decline you for, fix it with you, and only then put your file in front of capital.

The usual broker
  • Shops a thin app to many funders at once
  • Sells the biggest offer, because it pays the most
  • Pushes the most expensive money first
  • Says "approved in 24 hours, no credit check"
  • Disappears after funding, calls back to restack
  • A decline is a dead end
Business Capital 911
  • One clean, verified file matched to the products it actually fits
  • Payments capped at 15% of your true monthly sales
  • The cheapest money you qualify for now, and a path to cheaper next time
  • Honest timelines and a score you can watch move
  • Your Advisor walks you through every offer in plain numbers
  • "Not yet" comes with a fix plan and a re-check date
Free Fundability Snapshot

See your file the way a lender will. Right now.

Nine quick taps. No credit pull, no sign-up to see your result. Your answers carry straight into your full analysis if you join.

1How long have you been in business?
2About how much is deposited from sales each month?
3Your personal credit score, roughly
4Overdrafts or returned items in the last 90 days
5Open advances with daily or weekly payments
6All current business loan and advance payments, per month
7Do sales go into a bank account in the business's name?
8What's the money for?
9How much are you hoping for?
$75,000
Inside the analysis

Eight steps. One Fund-Ready file.

Each step covers one thing an underwriter checks and asks for the answer or document that proves it. When the analysis is done, your file is ready. Progress saves as you go, on any device.

  1. 0
    Capital Triage3 min

    Match the money to the job. Equipment, inventory, a cash gap and an SBA expansion each call for different capital.

  2. 1
    Prove Your Revenue6 min

    Upload six months of statements. We separate true sales from transfers and loan money, and shows you the number a lender will see.

  3. 2
    Your Debt Picture4 min

    Every current payment, added up. What a daily debit really costs, and why stacking leads to default.

  4. 3
    Owner Credit Check4 min

    What lenders pull and why it matters, with a soft-pull SmartCredit® report so nothing touches your score.

  5. 4
    Business Foundation4 min

    Entity, EIN, a business bank account and good standing: the floor every lender checks, and the start of your business credit.

  6. 5
    Right-Size Your Ask3 min

    The amount your cash flow can carry, so this round of capital sets up a cheaper next one.

  7. 6
    Product Packet4 min

    Only what your matched products need: tax returns, a P&L, a receivables aging. No P&L? We build it from your statements.

  8. 7
    Sign and Submit2 min

    Your Capital Advisor reviews the whole file and calls you within one business day. Nothing goes to a lender until you've talked.

Your AI underwriting expert

An underwriter in your corner, from start to finish.

Our AI underwriting expert does the heavy lifting. A human Capital Advisor signs off on every file.

Statement Reader

Reads every page of your statements: true deposits, NSFs, negative days, average daily balance, existing debits, and where the money went.

Fundability Score

Five pillars lenders weigh, scored 0 to 100 from your documents, with the exact fixes that move it. It updates with every upload.

Lender-decline checks

Built from the real reasons funders decline files. We catch them before submission, not after a hard pull.

Stacked or overleveragedToo many negative daysInconsistent revenueLight latest monthIncomplete packageNo business bank accountToo early for renewal

Right-Sizer

Keeps all your debt payments under 15% of true monthly sales, with a daily-balance cushion. Capital you can carry.

Docs Suite

No P&L? No aging report? Build them from the statements and invoices you already have. Nothing estimated, and you confirm every number.

Your Capital Advisor

A real person reviews every file, writes the summary underwriters read first, and walks you through each offer in plain numbers.

Our funding partner

Powered by Rok Financial

When your file is Fund-Ready, we submit it through Rok Financial, a business financing company with a network of more than 70 alternative lenders. One clean dossier, matched to the lenders it fits, instead of a dozen applications and a dozen inquiries.

  • One verified file, cover sheet written for underwriters
  • Matched to the products your numbers support
  • Every offer explained before you sign anything
Working capitalFrom 4 months in business and $10K+ monthly sales
Business line of creditFrom 6 months, $10K+ monthly, 600+ credit
Term loanFrom 2 years, $10K+ monthly, 660+ credit
SBA loanFrom 2 years, $120K+ annual, 675+ credit
Equipment financingNo time-in-business minimum, about 580+ credit
Receivables financingFrom $500K+ annual sales with an aging report

Rok Financial's published starting requirements. Meeting them isn't an approval; lenders decide. rok.biz

What happens next

From sign-up to offers, step by step

  1. Right away

    Your private analysis link lands in your inbox. Your Snapshot answers are already filled in.

  2. About 45 minutes

    Work through the eight steps at your pace. Your score updates with every answer and upload.

  3. Within 1 business day

    Your Capital Advisor reviews the file and calls you: ready to submit, or a fix plan with a re-check date.

  4. When you're ready

    We submit your dossier through Rok Financial. When offers come in, we walk through each one with you.

Our standard

Straight answers. No games with your business.

Never an upfront fee

The analysis and your Advisor are free. If you're funded, Rok Financial or the lender pays us. You never pay us to apply.

No hard credit pull

Nothing here touches your credit. A lender may pull it later, only after you sign and we submit.

No promises we can't keep

We're not a lender. No one honest can guarantee approval, amounts or rates. We make your file as strong as it can truthfully be.

Not ready? Not a dead end.

You get a fix plan, a re-check date, and help building your business credit so the next look goes better.

Free analysis

Get your private Business Capital 911 link

Tell us where to send it. You'll get an email with your own secure analysis link in about a minute. It opens your file, so it's yours alone.

  • Your Snapshot answers carry into your analysis
  • Save and come back any time, on any device
  • A Capital Advisor reviews your file when you finish

Start my free analysis

Free. No hard credit pull. No upfront fees, ever.

FAQ

What business owners ask us

Does Business Capital 911 cost anything?

No. The analysis and your Capital Advisor's help are free, and we never charge you an upfront fee. If you're funded, we're paid a commission by Rok Financial or the lender, and we tell you that up front.

Will this hurt my credit?

Nothing in the analysis is a hard credit pull. A lender may pull your credit later, only after you sign and your file is submitted.

Is this a loan approval?

No. We're not a lender and can't promise approval, amounts or terms. Lenders make their own decisions. The analysis makes your file as strong and complete as it can honestly be.

What do I need to get started?

Your last six months of business bank statements as PDFs from your bank's website, plus your ID and a voided business check. Tax returns and a P&L help for some products, and we can build the P&L from your statements.

Why do you cap my payments?

Because the biggest offer isn't the best one. Payments above about 15% of true monthly sales are where good businesses start stacking advances to stay afloat. Capital you can carry now is how you qualify for cheaper money next time.

What if I'm not ready yet?

You'll know exactly why and what to do, with a re-check date. If your credit or business credit needs work, we can help with that as a separate, optional service.

Who sees my documents?

Your documents are encrypted and only your Capital Advisor sees them. When you sign, you authorize us to share your file with Rok Financial and its lending partners to evaluate it. We never ask for passwords or card numbers.

How long does funding take?

It depends on the product and the lender. Some working capital funds within days; SBA loans take longer. Your Advisor gives you an honest timeline for your file, never a promise.

Your next round of capital starts with the right file.

Free analysis. Real underwriting logic. A human Advisor in your corner. Get your private link in about a minute.

Start my free analysis
Start my free analysis