Evaluate your SBA loan application readiness with this comprehensive assessment tool that analyzes your business’s financial strength across key lending criteria. This calculator examines debt service coverage ratio (DSCR), liquidity position, collateral coverage, credit scores, and management experience to generate a detailed strengths and weaknesses report. Input your financial metrics, existing debt structure, and business profile to receive an overall readiness score (A-F grade) along with specific, actionable recommendations to strengthen your application before approaching lenders. The tool automatically fetches current prime rates and calculates your estimated SBA interest rate, while the refinancing toggle shows exactly how consolidating existing debt would impact your monthly payments and cash flow.