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Checklist · 8 Pages · 47 Points
Fundability Readiness Checklist
The exact 47-point checklist our concierge team uses to evaluate business funding readiness before submitting any application.
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Your Fundability Score
0 of 47 items completed
💡 Check each item as you complete it. Aim for 90%+ before submitting any funding application.
🏢 Business Entity & Legal Structure
0/7Business is registered as an LLC, S-Corp, or C-Corp (not sole proprietorship) Business name does not include owner's personal name Articles of Organization or Incorporation are filed and current Registered Agent is active and address is current Business is in good standing with the Secretary of State Operating Agreement or Corporate Bylaws are in place Business has been operating for at least 2 years (preferred) or 6 months (minimum) 📋 EIN & Tax Compliance
0/5EIN (Employer Identification Number) obtained from IRS Business files taxes separately from personal taxes No outstanding federal or state tax liens Business tax returns filed for at least 1 year (2 years preferred) Business is not delinquent on any tax obligations 📍 Business Address & Contact Information
0/6Business has a physical address (not a P.O. Box or home address) Address is consistent across all registrations and credit bureaus Business is listed in 411 directory assistance Business has a dedicated business phone number (not personal cell) Business email uses company domain (not Gmail, Yahoo, etc.) Business has a professional website with contact information 🏦 Business Banking
0/7Dedicated business checking account is open and active Business account has been open for at least 3 months Average daily balance is $1,000+ (preferred: $5,000+) No NSF (non-sufficient funds) or overdraft incidents in past 12 months Business account is not co-mingled with personal funds Business has a savings or reserve account Business processes revenue through the business account (not personal) 📊 Business Credit Profile
0/7D-U-N-S number is registered with Dun & Bradstreet Paydex score is 80 or higher Business has at least 3 active tradelines reporting Experian Business profile is claimed and verified Equifax Business profile is claimed and verified No derogatory marks or collections on business credit reports Business credit reports have been reviewed in the past 90 days 💰 Revenue & Financial Documentation
0/6Business generates consistent monthly revenue Business bank statements are available for the past 3–6 months Profit & Loss statement is current (within 90 days) Balance sheet is current (within 90 days) Business has positive cash flow (revenue exceeds expenses) Revenue is documented and verifiable (not cash-only) 👤 Personal Credit (For Guaranteed Loans)
0/5Personal credit score is 680+ (700+ preferred) No bankruptcies in the past 7 years No foreclosures in the past 7 years Personal debt-to-income ratio is below 43% No recent late payments (past 12 months) 🏭 Industry & Business Type
0/4Business is not in a restricted industry (adult, cannabis, gambling, etc.) Business has a clear NAICS or SIC code classification Business model is clearly defined and documented Business has a website that reflects legitimate operations Scoring Guide & Next Steps
90–100% (43–47 items)
Highly Fundable
You are ready to apply for business funding. Submit applications to Tier 1 lenders and SBA programs immediately.
70–89% (33–42 items)
Mostly Ready
Address the unchecked items in Banking and Business Credit sections first. Most gaps can be resolved in 30–60 days.
50–69% (24–32 items)
Partially Ready
Focus on Entity, Banking, and Credit Profile sections. Work with your LuxeNova concierge to create a 90-day readiness plan.
Below 50% (under 24 items)
Needs Significant Work
Start with business entity formation and banking setup. Do not apply for funding until you reach 70%+ — premature applications damage your credit profile.
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