The Smart System · Tool 01
Where do I actually stand?
Know it in advance — before a lender forms a view for you. The questions change as you answer them, so a builder gets asked about certified claims and someone buying a truck gets asked about the asset’s age. About ten to fifteen minutes.
It reads your business the way the CAS method does — Capacity, can the business carry it; Access, will a lender look at the file at all; Structure, is it the right money shaped the right way. Three different questions, and they do not have the same answer.
Before you start — what you will need
- Rough monthly turnover and roughly what is left after everything is paid. Estimates are fine; nobody checks them.
- What is already going out on existing finance each month, and how often.
- How much you need and over how long.
- If property is involved — what it is worth and what is still owed.
About 10 minutes. Around 20 to 24 questions, depending on your answers. Your place is saved on this device as you go, so you can stop and come back.
Learn the lending ladder, products and sector-specific credit logic →
Free. No cost, ever. No credit check. Nothing is run against your file. Private. Nothing is sent until you ask.
Objective information or arithmetic based on what you enter.
Publicly available information about how commercial lending products and structures commonly work.
Our educational CAS interpretation. It helps you ask better questions; it is not a lender decision or product recommendation.
Your Finance Readiness Report
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