LoanReady and associated products powered by Cyphr.

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ESOs, Non-Profits, Economic Development

Your path to loan approval starts here.

Use our proprietary technology to analyze your financials and business, create your loan documents, and create a tailored step-by-step action plan for loan preparedness.

See My Score

Refer A Business Owner

Helping individuals and teams at the world's best companies

What is Loan Ready?

A cheat sheet for increasing your approval odds.

Our Loan Readiness platform has empowered ESOs, Financial Institutions, Government Organizations to unlock capital for their small business customers.

Now, we are giving that power to you.

4

Key Data Points

Provide just four key inputs and an account connection to receive a loan readiness score and financial statement generation.

90%

AI Powered Accuracy

Advanced AI analyzes your data with up to 90% accuracy, delivering actionable insights for loan readiness.

10M+

External Data Sources

Our platform integrates insights from over 10 million external data sources to deliver accurate, reliable loan readiness assessments.

24/7

Platform Access

Use the LoanReady platform anytime to take control of your funding journey when it works best for you.

About You

Who is this for?

We created this for anyone supporting or pursuing small business success.

One-Time Fee

Soloprenuers

Effortlessly prepare for funding with tools that simplify loan readiness, helping you take the next step in growing your business.

One-Time Fee

Soloprenuers

Effortlessly prepare for funding with tools that simplify loan readiness, helping you take the next step in growing your business.

One-Time Fee

Soloprenuers

Effortlessly prepare for funding with tools that simplify loan readiness, helping you take the next step in growing your business.

One-Time Fee

Small Business Owners

Assess your funding potential and create lender-approved loan packets to secure the capital you need to scale your business.

One-Time Fee

Small Business Owners

Assess your funding potential and create lender-approved loan packets to secure the capital you need to scale your business.

One-Time Fee

Small Business Owners

Assess your funding potential and create lender-approved loan packets to secure the capital you need to scale your business.

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Small Business Accountants

Save time and deliver value by streamlining financial analysis and generating loan-ready documents for your clients.

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Small Business Accountants

Save time and deliver value by streamlining financial analysis and generating loan-ready documents for your clients.

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Small Business Accountants

Save time and deliver value by streamlining financial analysis and generating loan-ready documents for your clients.

Subscription

Small Business Consultants

Enhance your client services with a seamless loan readiness tool that empowers businesses to secure funding faster.

Subscription

Small Business Consultants

Enhance your client services with a seamless loan readiness tool that empowers businesses to secure funding faster.

Subscription

Small Business Consultants

Enhance your client services with a seamless loan readiness tool that empowers businesses to secure funding faster.

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Entreprenuer Support Organizations

Provide your members with the tools they need to assess funding opportunities, improve loan applications, and achieve financial success.

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Entreprenuer Support Organizations

Provide your members with the tools they need to assess funding opportunities, improve loan applications, and achieve financial success.

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Entreprenuer Support Organizations

Provide your members with the tools they need to assess funding opportunities, improve loan applications, and achieve financial success.

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Lenders

Streamline borrower assessments with pre-verified loan packets and engage with more qualified applicants ready for funding.

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Lenders

Streamline borrower assessments with pre-verified loan packets and engage with more qualified applicants ready for funding.

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Lenders

Streamline borrower assessments with pre-verified loan packets and engage with more qualified applicants ready for funding.

About Us

Loan-ability for all.

Capital access provides financial stability while unlocking financial opportunity for small business owners all over the nation. We created loan readiness to give more people access to what should be rightfully theirs.

42%

loan applicants denied annually

$1.3T

Annual unmet demand for small business funding

10 min

average time to complete loan readiness assessment

95%

potential increase in approval rate for properly prepared loan apps

Why Loan Ready?

Know before you go!

Our platform revolutionizes the way you work with potential lenders. Explore a myriad of features designed to empower you to show up as your best self.

See Yourself As A Lender Would

Gain unique insights into your business's lendability through the lens of a lender. View your application as a potential creditor might, enabling you to understand and improve the aspects of your business that matter most in the lending decision process.

Find the missing piece with - Lenda

Interact with Lenda, the smartest and most accurate capital deployment analyst in the industry to help navigate the lending process.

Instantly Create Financial Statements

Simplify your financial management with our tool that generates accurate and comprehensive financial statements in moments. From balance sheets to income statements, get everything you need to support your loan application and business planning without the hassle.

Loan Readiness Score

Receive an immediate assessment of your likelihood to secure a loan with our Loan Readiness Score. This predictive tool analyzes your financial data and market conditions to give you a clear, quantifiable indication of your readiness to apply for funding, helping you to apply at the right time with confidence.