CreditLens
Middle-Market Capital Intelligence

See your business the way a credit team sees it.

Underwriters decide in minutes, off patterns most owners never see. We show you the read — tier, realistic products, expected terms — before you ever apply.

Run the Full AssessmentKnowledge Hub
/ Runs in your browser/ No credit pull/ No signup
Live · The Lens
$400K – $600K
Indicative working-capital sizing · funds in days
UNDERWRITER'S FIRST READOPEN FILE
SIZED OFFMONTHLY RECEIPTS
Full underwriter view — 9 inputs →
01

What the file says before you speak

Most owners find out how lenders see them only after a decline. Four patterns decide almost everything:

01 / CASH FLOW

Revenue & Consistency

Deposit rhythm matters more than deposit size. Volatile months get sized off the trough, not the average.

Assess yours →02 / LEVERAGE

EBITDA & Debt Load

Debt-to-EBITDA decides your tier. Most senior lenders draw the line at 3–4x — know which side you're on.

Assess yours →03 / COLLATERAL

Receivables & Assets

Strong AR opens doors revenue can't: 75–85% advance rates against eligible invoices, even in a rough year.

Assess yours →04 / SECTOR

Industry Risk Tier

Identical financials price differently in trucking than in healthcare. Lender appetite shifts quarterly.

Industry outlooks →
02

The market you're borrowing in

$150K–$15M
Facility range placed
3–7 days
Typical non-bank close
50
States covered
$2B+
Funded via partner network
03

Who this is for

OWNERS

You need capital and a straight answer

Working capital, bridge, or growth financing — see what's realistic before spending weeks applying. Then we connect you with funding partners matched to your profile.

Start the assessment →ADVISORS

Your client's deal needs to close

IBs, brokers, CPAs, attorneys: when a transaction needs fast short-term or bridge capital, we place it — and you stay the hero. Fees on every funded deal.

Partner with us →LEARNERS

Credit, in plain English

Factor rates vs. APR, what underwriters scan in bank statements, why deposit consistency beats size. Free, no pitch.

Browse the hub →
04

Common questions

Is the assessment really free and private?
Yes. The scoring runs entirely in your browser — nothing you type is sent to a server unless you explicitly choose to request a funding introduction. There is no signup and no credit pull.
What kinds of financing does the assessment cover?
Revenue-based financing, working-capital and bridge facilities, asset-based lending against receivables, SBA loans, and mezzanine/junior capital — the structures most relevant to U.S. businesses doing roughly $1M–$100M in revenue.
Will the result match what a lender actually offers?
It's an educated estimate built from typical market underwriting bands, not a quote. Real offers depend on documents, bank statements, and each lender's current appetite. Think of it as knowing your negotiating position before you walk in.
How do you make money?
Two ways, both disclosed: funding partners may pay us referral fees when we introduce a business that closes financing, and we offer paid consulting for owners who want help improving their credit profile. The educational content and assessment stay free.