Funding Readiness • Authority Guide
Funding Readiness Score Explained
The Funding Readiness Score is a composite indicator that maps your business to the funding products most likely to approve at your current profile.
Definition
What is funding readiness score?
The Funding Readiness Score is a 0–100 composite generated from five weighted components: Personal Credit (20%), Business Credit (20%), Documentation (20%), Financials (25%), and Lender Match (15%).
Why it matters
Why this matters
- Single number to track readiness over time.
- Maps directly to lender category eligibility.
- Identifies the highest-leverage component to improve next.
How it works
How it works
- ›Each component independently scored 0–100.
- ›Weighted average produces composite.
- ›Composite mapped to lender category: 80+ SBA/conventional, 60–79 online lender, 40–59 alternative, under 40 not funding-ready.
Examples
Examples in practice
Composite 84
Personal 85, Business 80, Documentation 95, Financials 80, Lender Match 80. SBA-eligible.
Step-by-step
Step-by-step process
- 1Calculate each component
- 2Apply weights
- 3Compare against lender thresholds
Checklist
Action checklist
- All five components calculated
- Composite above 75 before SBA application
- Re-scored quarterly
Common mistakes
Common mistakes to avoid
- Misweighting components
- Treating score as predictive of amount (it predicts probability)
FAQs
Frequently asked questions
Is the Funding Readiness Score the same as a credit score?+
No. It is a composite indicator that includes credit, documentation, financials, and lender match — broader than any single bureau score.
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