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The Truth Vault
Know Your Numbers
The 12 metrics lenders check before they say yes or no.
Most business owners apply without knowing which numbers actually drive underwriting decisions. This guide covers every metric that matters — and exactly how to improve each one before you apply.
What’s inside when it launches
- Average daily balance — what lenders want to see and why
- Debt Service Coverage Ratio (DSCR) explained in plain English
- Revenue consistency scoring — how lenders grade your deposits
- Personal credit score impact by product type
- Business credit score — Dun & Bradstreet, Experian Business, FICO SBSS
- Time in business thresholds by funding type
- NSF rate — the hidden killer most owners never track
- UCC position count — when it starts hurting you
- Industry risk classification — how your SIC code affects rates
- Tax return profitability vs bank deposit revenue — why both matter
- Accounts receivable aging — what factoring lenders look for
- Equipment LTV ratios — how to calculate what you can borrow
This resource is currently being built. Check back shortly.