A credit officer doesn't see your hard work — they see your documents, your GST filings, your bank statements and your track record. A single mismatch or missing paper can stall or sink an otherwise fundable application.
ITR, GST returns and financial statements that are incomplete, inconsistent, or simply not filed on time.
GST turnover, bank credits and declared sales that tell three different stories to a credit desk.
Cheque bounces, irregular EMI history or thin banking relationships that quietly count against you.
A short questionnaire covering your documents, GST, banking and turnover — takes about 5 minutes.
Our scoring framework weighs the same parameters a credit desk checks — documentation, consistency, banking behaviour and more.
A clear report with your score, your top gaps and strengths, and the questions a lender is likely to ask.
Follow the action plan to close what's fixable, and approach the bank with a stronger, more consistent file.
From knowing your score to getting your application in front of the right lender — here is how we help, every step of the way.
Know exactly where you stand — your score, your strengths, your biggest gaps.
Get My ScoreHands-on help closing the gaps — filings, financial statements, banking discipline.
Discuss on WhatsAppA document-verified deep dive, checked against what a lender will actually ask.
Enquire on WhatsAppStructuring and placing your application with the right bank or NBFC.
Enquire on WhatsAppThis is the first page of a sample report, built on a fictional business. Your own report follows the same 8-page format, with your score, your strengths and gaps, and a clear action plan.
Five minutes of questions. A clear score. A plan to close the gaps.
Get Your Loan Ready Score →
Pre-loan credit & bank-readiness diagnostic for Indian MSMEs.
The Loan Ready Score is Loan Ready's own proprietary, indicative assessment. It is not a credit score, a credit rating, a rating issued by a regulated credit information company, or a SEBI-registered credit rating. It is not a guarantee of loan sanction or disbursal. Final lending decisions rest solely with the lending institution.
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