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Industry (Optional — Enables Industry-Specific Benchmarks)
1
Income Statement Figures
Annual gross revenue
Leave blank if not applicable
Can be negative
Owner draws taken out of business
From prior year balance sheet
Exclude interest, tax, D&A
2
Balance Sheet Figures
Equity minus intangible assets
📊 Full Ratio Breakdown
| Ratio | Category | Your Result | Lender Threshold | Status |
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🎯 Key Issues to Address
Know what to fix — now find out exactly how.
The Bankability Blueprint™ takes your numbers and builds a prioritized 90-day action plan: what to fix first, in what order, and which lender to approach when you're ready.
For educational and informational purposes only. These calculations are estimates based on common lending benchmarks and do not represent any specific lender's standards. Nothing here constitutes a credit decision or a discouragement from applying for credit. Every person has the right to apply for credit. Lenders vary widely in their standards and criteria. This tool uses general lender benchmarks and is not a loan application, pre-qualification, or guarantee of any lending outcome. Actual lender decisions depend on many additional factors including industry, collateral, credit history, and lender-specific criteria. Results may differ from a lender's actual underwriting. Consult a licensed commercial banker, CPA, or financial advisor before making any financial decisions. See BankLiterate.com/legal for full disclosures.