NEW East LA BusinessSource Center

Loan Readiness Evaluation Dashboard

Wednesday, May 27, 2026

Enter values from the client intake form. Green pills correspond to intake form item numbers. Required fields marked with *

Enter client data below to see readiness analysis

1. Business Basics

1.1Client / Owner Name

1.2Business Name

1.3Entity Type

1.4Industry

1.5Business Tax Returns Filed

<=1 = Startup | 2 = both routes | 3+ = Operating

1.6Years in Operation

Document Upload (Optional)

Upload tax returns or other documents and Claude will read them and propose values for the form below. You confirm each value before it populates a field — nothing is auto-filled.

Personal Tax Returns (1040 with all schedules)

Upload the most recent 1040 with Schedule 1 if applicable. Used to extract personal income, taxes paid, and reconcile with business income.

Drop file here or click to browse

PDF, JPG, or PNG · max 10MB

Business Tax Returns

Upload the most recent business return — Schedule C for sole prop, 1120S for S-Corp, 1065 for partnership, or 1120 for C-Corp. Used to extract revenue, net profit, depreciation, and other business financials.

Drop file here or click to browse

PDF, JPG, or PNG · max 10MB

Additional Document (Optional)

Bank statements, P&L, credit report, or other supporting documentation.

Drop file here or click to browse

PDF, JPG, or PNG · max 10MB

2. Loan Request

2.1Loan Amount Requested ($)*

Enter amount to see lender path

⚠ Required for this loan type

2.2Loan Type

2.3Loan Term (months)

Auto: 84 mo (CDFI/Micro) | 120 (SBA) | 300 (RE). Type to override.

2.4Interest Rate (%)

Auto: 10% (CDFI/Micro/RE) | 8% (SBA). Type to override.

3. Business Financials

From the most recently filed business tax return. Conditional fields only need values when the matching loan type is selected.

3.1Annual Revenue ($)*

Schedule C L1 | 1120S L1a | 1065 L1c | 1120 L1a

⚠ Required for this loan type

3.2Net Profit ($)*

Schedule C L31 | 1120S L22 | 1065 L22 | 1120 L30

3.3Depreciation ($)

Schedule C L13 | 1120S L14 | 1065 L16a | 1120 L20

3.4Amortization ($)

Other Deductions Statement (intangibles only)

3.5Non-recurring Expenses ($)

One-time expenses unlikely to repeat

3.6Existing Annual Debt Service ($)

Annual P&I on all current loans

3.7Annual Interest Expense ($)

Only for Debt Refinance loans

3.8Annual Rent Expense ($)

Only for Owner-Occupied RE loans

3.9Annual Equipment Rental ($)

Only for Equipment loans

4. Experience & Character

4.1Years of Relevant Experience*

⚠ Required for this loan type

4.2FICO Score*

750+ Excellent | 700+ Good | 650+ Marginal | <650 Eval

⚠ Required for this loan type

4.3One Year Clean Credit?

4.4Bankruptcy in Last 7 Years?

4.5Late Payments in Last 2 Years?

4.6Issues Explained?

5. Personal Financials

For Sole Prop / Single-Member LLC: business net profit is already counted in Business Cash Flow above. Enter ONLY other personal income (spouse W-2, dividends, interest, etc.) below. Verification fields help confirm Schedule C income reconciles with the 1040.

5.1Other Personal Income ($)

Spouse W-2, dividends, interest, rental income, etc. EXCLUDE Schedule C net profit (already in Business CF).

5.2Taxes Paid ($)

1040 Page 2 Line 24 (Total Tax)

5.3Household Size

$500/month per person for cost of living

5.4Monthly Mortgage / Rent ($)

5.5Monthly Car Payment ($)

5.6Monthly Credit Card Min ($)

5.7Other Monthly Debt ($)

Schedule C ↔ 1040 Verification (optional)

Enter values from the actual 1040 to verify Schedule C income reconciles. Helps catch data entry errors before they affect calculations.

5.1a1040 Line 1z (W-2 wages)

Owner + spouse W-2 wages from 1040

5.1b1040 Line 8 (Sched 1 income)

Additional income — typically business income flows here

5.1c1040 Line 9 (Total Income)

Total of all income sources on 1040

6. Use & Source of Funds

Category	Project Cost	Owner Injection	Loan Portion
6.1Equipment / Vehicle			$0
6.2Inventory Purchase			$0
6.3Build-out / Leasehold			$0
6.4Working Capital			$0
6.5Debt Refinance			$0
6.6Other (arrears, etc.)			$0
TOTAL	$0	$0	$0

7. Collateral (only if loan over $300k)

7.1Real Estate Market Value ($)

7.2Real Estate Mortgage Balance ($)

7.3Business Equipment Value ($)

7.4Inventory Value ($)

7.5Other Pledgeable Assets ($)

Analysis & Outputs

Click any section to expand calculations and breakdowns

Business Status

Pre-Startup

0 tax returns filed

Lender Path

Enter loan amount

Recommendation

Awaiting data

Fill in core fields

Loan Readiness Checklist

STARTUP REQUIREMENTS
Category	Check	Status
Character	Bankruptcy, FICO 650+, clean credit	N/A
Experience	1+ years relevant	FAIL
Injection	Owner injection >= 20%	N/A
Alt Source	Personal disposable covers loan	N/A
Collateral	75%+ if loan over $300k	N/A

OPERATING REQUIREMENTS
Category	Check	Status
Character	Bankruptcy, FICO 650+, clean credit	N/A
Experience	1+ years relevant	FAIL

<=1 filing means Startup only. 2 filings means both. 3+ means Operating only.

5-Criteria Scorecard

REQUIREMENT

BORROWER

THRESHOLD

REQUIRED FOR

GRADE

1. Experience

0 yrs

Direct or related

ALL

Fail

2. Character

FICO 0

FICO 650+, clean credit

ALL

Need FICO

3. Injection

20-25% of loan

STARTUP

4. Alt Source

Coverage >= 1.0x

STARTUP

5. Collateral

>= 75% if loan > $300k

STARTUP & >$300k

N/A

DSC Calculator

Business DSC

0.00x

✗ Fail (< 1.00x)

Global DSC

0.00x

✗ Fail (< 1.00x)

Business Cash Flow Buildup

Net Profit	$0
+ Depreciation	$0
+ Amortization	$0
+ Non-recurring	$0
+ No add-back (Working Capital)	$0
Business Cash Flow	$0

Personal Cash Flow Buildup

Other Personal Income (excl. Schedule C)	$0
- Taxes Paid	$0
- Living Expenses	-$6,000
Personal Disposable Income	-$6,000

Annual Debt Service

Existing annual debt service	$0
New loan monthly payment	$0
New loan annual debt service	$0
Total Annual Debt Service	$0

Maximum Qualifying Loan

Threshold	Max Annual DS	Max Monthly Pmt	Max Loan Principal	vs Requested
Business DSC @ 1.00x	$0	$0	$0	-
Global DSC @ 1.00x	$0	$0	$0	-

What Would It Take to Qualify?

The loan itself

Required monthly payment	$0 loan @ 10% for 84 mo	$0
Required annual loan payment	$0 × 12 months	$0

Business DSC perspective

Business cash flow needed at 1.00x DSC	$0 new loan + $0 existing debt	$0
Current business cash flow	From Business CF Buildup above	$0
Business CF gap	$0 needed − $0 current	COVERED

Global DSC perspective (includes household)

Total cash flow needed to cover debt + living expenses	$0 annual debt service + $6,000 living expenses + $0 taxes	$6,000
Current total household income	$0 business CF + $0 other personal income	$0
Total cash flow gap	$6,000 needed − $0 current	$6,000
Equivalent monthly cash flow lift needed	$6,000 annual ÷ 12 months	$500

Business CF gap is whether the business alone can cover the loan. Total CF gap is whether the household can cover the loan AND living expenses. If Total gap is large but Business gap is zero, the business supports the loan but personal expenses exceed personal income.

Analysis Summary

Enter a loan amount to see a full analysis.

Rule-based summary shown by default. Click Generate AI Analysis for a tailored evaluation.