For owners borrowing $50,000 to $500,000
You’ve never built a lender package. Your banker has read a thousand.
LenderReady takes the numbers you already know. What you want to borrow, what you bring in, what it costs to run the place. It turns them into the reconciled model and written package a lender expects. You build it yourself, in one sitting, for $499. No consultant, no meetings, no retainer.
The free check needs five numbers and no account. Nothing is saved, and you are never asked for a card.
The check is free
Checkability over mystique
We show our math.
The assumptions, debt service, DSCR, repayment schedule, and reconciliation checks are visible so you can check the arithmetic yourself and put the same work in front of a lender. Banker terminology stays secondary to the numbers.
The template problem
A template gives you blanks. It doesn’t tell you the blanks are wrong.
Download the free SBA template and it will happily let you ask for $250,000 while your use-of-funds adds up to $238,000. It won’t calculate your coverage ratio. It won’t notice the row that’s off by twelve thousand dollars. Your banker will notice, in about ninety seconds, and now you’re the person who brought numbers that don’t add up.
The price difference
Business-plan writers commonly quote $2,000 to $5,000 for this.
Most of that fee is assembling numbers you already have into a form a lender can read. That part is software. LenderReady does the assembling for $499, one time, and you keep control of every assumption.
What you get
Five parts. One package.
Your saved application.
Every assumption in one place, tied to your account. Change one number and everything downstream updates.
A use-of-funds plan that reconciles.
Every dollar assigned to a use, and the rows tie exactly to the amount you asked for. Off by a dollar and it tells you before your lender does.
Coverage and DSCR analysis.
The ratio your banker calculates first, calculated the way they calculate it: against total debt service, principal and interest, not interest alone.
The written lender report.
Generated from your assumptions, exported to PDF, ready to hand over.
Unlimited regeneration.
When the lender says “run it again at 9.5% over ten years,” you change two fields. You don’t start over and you don’t pay twice.
The promise
The reconciliation guarantee
If the numbers in your report don't tie out, email us and you get all $499 back, even if you have already generated and downloaded it. Not tying out means one of two things: your use-of-funds doesn't sum to the amount you requested, or the repayment schedule doesn't retire the principal. The calculations are deterministic, so this is a promise we can actually keep.
The boundary
What LenderReady will never tell you
No human reviews your file. Nobody submits anything on your behalf. Nobody here can promise you approval, and anyone who promises you approval is selling you something. This is software that makes your numbers defensible. The conversation with the lender is still yours.