Enable Strategy Lab
Loan Readiness Assessor
Score your business the way a lender actually will - the 5 Cs of Credit, with your own numbers behind it.
Rates your business across the 5 Cs of Credit - Character, Capacity, Capital, Collateral, and Conditions - computing what it can from your Financial Projections and Competitor Analysis, and asking honestly for the rest. Flags your weakest C before a lender does.
Included in All Access, or unlock it on its own.
Who it’s for
- Chasing funding without knowing what a lender wants to see?
Start here first: free Academy course
What a Lender Actually Looks At
Applying for finance without understanding how a credit committee actually reads an application means you're walking in blind to their decision process. The 5 Cs of Credit - Character, Capacity, Capital, Collateral, Conditions - let you see your own application the way they will, before you apply. Skip this and a rejection tells you nothing about what to actually fix for next time.
- 1.It's Not Just About the NumbersA strong P&L helps, but lenders assess a loan application across 5 factors, not 1.
- 2.The 5 Cs ExplainedCharacter, Capacity, Capital, Collateral, Conditions - each answers a different question a lender is asking.
- 3.Guess Your Weakest CBefore a real assessment scores it, guess honestly which of the 5 Cs you'd rate lowest.
- 4.DSCR: The Number That Actually Decides ItThe Debt Service Coverage Ratio is the single figure most lenders lean on hardest for Capacity.
- 5.Quick CheckA few questions to lock in what you just covered.
- 6.Score Yourself Before They DoSee your real composite score across all 5 Cs, computed from your own figures where possible.
Questions
What does the Loan Readiness Assessor do?
Rates your business across the 5 Cs of Credit - Character, Capacity, Capital, Collateral, and Conditions - computing what it can from your Financial Projections and Competitor Analysis, and asking honestly for the rest. Flags your weakest C before a lender does.
How much does the Loan Readiness Assessor cost?
It's included in All Access along with every other Lab and the full Academy, or you can unlock it on its own. The membership page has the current options.
Is it built for Australian businesses?
Yes. Enable Strategy Lab is built in Queensland for Australian small business owners, using Australian dollars, GST and Australian terms throughout.
Do I need to be good with numbers or strategy?
No. Each Lab walks you through one step at a time in plain English, with examples, and saves your work as you go so you can come back to it.
Is there anything I should read first?
Yes: the free Academy course "What a Lender Actually Looks At" explains the thinking behind this Lab in 6 short lessons.
Labs that go with it
- Loan Application PlanA real loan application package, assembled from the tools you've already used - built around the 5 Cs of Credit a lender actually scores you against.
- Financial Projections BuilderTurn your revenue and cost assumptions into a real 3-year forecast - the numbers a bank or investor actually wants to see.