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The Benchmark for Business Capital
CapitalScore™ evaluates your business's ability to secure financing, build creditworthiness, and demonstrate financial reliability to lenders, suppliers, and investors.
Educational benchmark, not a credit bureau report. No guarantee of approval or funding. Results vary.
Questions, answered
CapitalScore™ is an educational benchmark that evaluates a business's ability to secure financing, build creditworthiness, and demonstrate financial reliability to lenders, suppliers, and investors. It is not a credit bureau report and not a lending decision.
No. CapitalScore™ is an educational benchmark for funding readiness. It is not a credit bureau report, not a FICO score, and not a guarantee of approval, funding, or any credit outcome. Lenders make their own decisions. Results vary.
Start with the free sign-up. Answer questions about your business and you will see your score, your tier, and the steps that can strengthen your funding readiness.
Four areas: credit assessment, growth potential, risk evaluation, and compliance scoring across 67 critical compliance points that impact funding eligibility.
500 to 1000 across four tiers: Foundational (500-624), Emerging (625-749), Established (750-874), and Prime (875-1000). See the score tiers below.
Getting your CapitalScore™ is an educational assessment, not a loan application. It is not an application for credit and does not itself create a hard inquiry.
No. No score guarantees approval, funding, rates, terms, or any credit outcome. Every lender applies its own criteria. CapitalScore™ is educational. Results vary.
Common improvement areas include completing the 67 compliance points, establishing business tradelines that report, keeping healthy business bank activity, and strengthening your overall business credit profile. Your report lists fix-first steps for your situation.
Our Technology
A comprehensive metric that empowers businesses with actionable insights to secure financing, build creditworthiness, and demonstrate financial reliability.
Unlike traditional credit ratings, CapitalScore™ emphasizes actionable pathways to strengthen a business's financial foundation, supporting long-term credibility and access to capital.
CapitalScore™ provides a holistic assessment of credit history, payment behavior, financial stability, and growth potential, serving as a critical benchmark as you prepare to pursue loans and favorable terms.
CapitalScore™ leverages advanced analytics to transform complex financial data into actionable business intelligence.
Illustrative example only. Your score and tier depend on your own business profile. Results vary.
The real product flow
Sign up free and answer questions about your business. CapitalScore™ evaluates your credit profile, payment behavior, stability, and compliance points.
Your 500-1000 score places you in Foundational, Emerging, Established, or Prime, with a plain-English view of the funding types that typically fit each tier.
Get actionable recommendations: which compliance points to complete, which vulnerabilities to mitigate, and the order to work through them.
What the score measures
Comprehensive evaluation of business credit history, payment behavior, and financial stability.
Analysis of your business's trajectory, market position, and capacity for sustainable expansion.
Identification of financial vulnerabilities and actionable recommendations for mitigation.
Assessment of your business against 67 critical compliance points that impact funding eligibility.
Bars are illustrative of component weighting concepts, not your actual results.
Our 67-point CapitalScore compliance framework
Based on what lenders and bureaus commonly review. Our Intro LLC package covers 45 of the 67 points, Standard LLC covers 66, and Enterprise covers all 67.
Our 67-point CapitalScore compliance framework is based on what lenders and bureaus commonly review. No lender uses exactly these 67 points. Results vary.
Score range 500-1000
Four tiers that indicate your business's funding readiness and financial credibility. Funding potential descriptions are typical patterns, not promises. Lenders make their own decisions. Results vary.
Funding potential: Very limited; perhaps microloans, secured credit cards, very small vendor tradelines. High perceived risk.
Learn how to improve →Funding potential: More vendor accounts (Net 30), some business credit cards, potentially small unsecured loans from online lenders or CDFIs if revenue and cash flow are present.
Learn how to improve →Funding potential: Good access to unsecured business credit cards with higher limits, lines of credit, equipment financing, SBA loans (if other criteria are met), and term loans. Seen as a credible, lower-risk business.
Learn how to improve →Funding potential: Best available rates and terms on a wide array of funding options, including larger bank loans, significant lines of credit, and prime vendor terms. Highly attractive to lenders and investors.
Learn how to improve →Why owners use it
One benchmark that shows how lenders, suppliers, and investors may view your business today.
Actionable pathways instead of guesswork: compliance gaps, credit profile, and risk items in priority order.
Walk into funding conversations with a clear picture of your readiness and your talking points.
Re-check your score as you complete compliance points and build reporting tradelines.
Understand the factors behind creditworthiness so you can present your business with confidence.
Questions about your score or next steps? Call 888-534-4145 and talk to a real person.
Discover your CapitalScore™ and gain insights into your business's funding readiness. Take the first step toward preparing for the capital you need to grow.
Prefer video? Book an encrypted video callNo guarantee of approval, funding, or credit outcomes. Results vary.
Free assessment
Choose the assessment that fits your situation. Both are free to start.
Results vary. No credit pull to start the business assessment.
Free book, limited time offer
The underground playbook for the credit, banking, and asset secrets of the elite. The #1 finance book for new and seasoned business owners alike.
Limited time offer, while supplies last. Educational content only; no guarantee of any credit or financial outcome. Results vary.
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Get your CapitalScore™, see your tier, and start your fix-first plan today.
Get Your ScoreCapitalScore™ is an educational benchmark, not a credit bureau report. No guarantees of approval, funding, or credit outcomes. Results vary.