Am I Fundable? Quiz

Capital Insight. Funding Growth.

Am I Fundable?

Score your business on the 5 factors alternative lenders actually care about. Most banks never told you these mattered.

5 questions · Instant score · No paperwork
Your fundability
score is waiting
Question 1 of 5
Factor 1 · Revenue Consistency

How consistent is your monthly revenue?

Question 2 of 5
Factor 2 · Time in Business

How long has your business been generating revenue?

Question 3 of 5
Factor 3 · Average Daily Bank Balance

What does your average daily bank balance look like?

Question 4 of 5
Factor 4 · Existing Debt Load

What does your current business debt look like?

Question 5 of 5
Factor 5 · Industry Risk Profile

How would a lender likely categorize your industry?

Your Fundability Score
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Your score is locked in.

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Your Next Step

Know your numbers before you apply.

Tools To Stress-Test Your Funding Options

Traditional Loan & Cash Flow View
Compare scenarios using bank-style math
Loan payments, working capital runway, DSCR strength, and funding break-even — all in one place.
Loan Payment
Size the monthly obligation
Amortizing term loan
$
%
mo
$
Monthly Payment
$0
Fixed principal + interest
Total Repaid
$0
Principal + total interest
Total Interest Cost
$0
Cost of capital over term
Approx. Daily Cost
$0
Monthly payment / 30
Cash Flow Verdict
Run the numbers
Awaiting inputs
Enter your loan amount, APR, term, and (optionally) your target free cash flow. This card will tell you how comfortably the payment fits.
As a rule of thumb, keeping term debt below a modest share of stable monthly free cash flow leaves room for bumps and growth investments.
Payment vs. target: n/a
Term: n/a
Working Capital
See your runway and gap
Operating cash buffer
$
$
days
$
mo
Monthly Burn Rate
$0
Fixed + variable
Capital: Delay Cycle
$0
Burn × delay / 30
Needed with Buffer
$0
Delay + buffer months
Coverage & Gap
0%
Gap: $0
Runway & Liquidity
Buffer check
Awaiting inputs
See how much cash you need to comfortably bridge invoice delays plus your chosen buffer, and where a working capital line might help.
Many lenders like to see at least one full delay cycle plus a modest buffer covered by cash and committed facilities.
Buffer months: n/a
Coverage: 0%
DSCR
Debt service coverage ratio
Bank-style covenant lens
$
$
DSCR
0.00×
Awaiting inputs
Cushion
n/a
Above 1.00×
Coverage Strength
How lenders may see this
Awaiting inputs
DSCR compares your recurring cash flow to all required debt payments. Most traditional lenders look for at least 1.20× coverage.
Coverage gauge 0.00× of required debt
< 1.0× 1.20× 1.50×+
Higher DSCR generally supports stronger terms and more flexibility. Lower DSCR may require structure changes or alternative products.
Band: n/a
Typical hurdle: 1.20–1.25×
Funding Break Even
Do projected profits clear the cost?
Initiative payback view
$
%
mo
$/unit
units
Total Interest Cost
$0
Over full term
Break-even Units
0
Interest ÷ profit per unit
Expected vs. Required
n/a
Awaiting expected units
Payback Signal
n/a
Comfort vs. stretch
Profitability Check
Does this initiative pay for its cost of capital?
Awaiting inputs
Compare the interest cost of the loan to the contribution profit from your funded initiative. The fewer units to break even, the more flexible your plan.
Try stress-testing lower profit per unit or lower expected volume to see how sensitive the break-even point is.
Margin safety: n/a
Volume vs. break-even: n/a

Advanced Funding Calculators

Use these advanced funding calculators to pressure-test factor-rate offers, compare scenarios, and understand true costs before you apply.

Factor Rate Calculators

Advanced tools to stress-test factor rate funding options before you apply.

Estimate Daily Payment & Total Payback

Use factor rate logic (not interest) to see your total payback, daily payment, and payback intensity.

Total Payback
$0
Funding amount × factor rate.
Estimated Daily / Weekly Payment
$0
Based on total payback and selected term.
Payback Multiple
0.00×
How many times you repay the funding amount.
Enter your numbers to see how intense the payback will feel against your expected cash flow.
FREQUENTLY ASKED QUESTIONS

Straightforward answers to common funding questions

These are the questions we hear most from business owners comparing options. If something isn’t covered here, you can always reach out and we’ll walk you through it.

What makes Keen Funding different from a bank loan? –
Instead of forcing you into one rigid loan product, we help you compare revenue-based funding, working capital, lines of credit, and other options side by side. You’ll see total cost of capital, not just a teaser rate, so you can match the funding structure to your actual cash flow.
Will using these tools hurt my credit score? +
No. Our calculators and stress-testing tools are educational only and do not run any credit checks. If you choose to move forward with a specific lender, they may run a soft or hard inquiry depending on their process—but you’ll see that clearly before anything is pulled.
Do I have to share my banking or accounting data? +
For the calculators on this page, no. You can work entirely with estimated or manual inputs. If you later choose to connect live data to speed up underwriting with a lender, that connection is handled via secure, third-party platforms used by banks and fintechs across the U.S.
What kinds of businesses do you typically help? +
We work most often with established small and mid-sized businesses doing at least $20K/month in revenue. That includes service businesses, e‑commerce, trades, trucking, healthcare, and more. If you’re not sure whether you fit, use the tools here and then reach out with your scenario.
What minimum revenue and time-in-business do lenders look for? +
Requirements vary by product, but many revenue-based and working capital options start around 6+ months in business and $15K–$25K/month in revenue. Our tools are designed to show whether a structure is likely to be realistic before you invest time in a full application.
Can I use funding to refinance or consolidate existing advances? +
Often, yes—but it depends on your revenue trends, current obligations, and how aggressive your existing payments are. Use the stress-testing tools to model your current stack versus potential new offers, then we can help you see if a consolidation scenario actually improves cash flow.
How do I compare factor rates, fees, and APRs fairly? +
This is exactly what our calculators are built to do. You can plug in a factor rate, term, and payment frequency, then see the implied APR and total cost in one view. That way a "cheap" factor rate doesn’t hide an expensive daily payment schedule.
What’s the difference between daily, weekly, and monthly payments? +
Daily and weekly payments can be fine for consistent cash-flow businesses, but they’re riskier if your revenue is lumpy or seasonal. Our tools let you model how each schedule hits your operating cash so you can see where your safety margin starts to disappear.
Can I see how a downturn or slow season would affect my payments? +
Yes. Use the stress-testing inputs to reduce your projected revenue and see how much room you still have after funding payments. If the margin gets too thin, that’s a signal to adjust the amount, term, or structure before you sign anything.
What happens after I use the calculators? +
You can save or screenshot your scenarios and, if you’d like, share them with our team. From there we help you match the scenario to real offers in the market and flag any red flags before you apply so you don’t end up with surprises in underwriting.
Do you charge me to use these tools or get guidance? +
No. There’s no cost to use the calculators or to speak with us about your scenarios. If you move forward with a funding partner, they may compensate us—similar to how banks work with mortgage brokers— but your pricing is the same or better than going direct.
Can you work with my existing lender or advisor? +
Absolutely. Many clients bring us in alongside their CPA, bookkeeper, or current lender to sanity-check offers and explore alternatives. Our only goal is to make sure the funding you pick is something your business can comfortably live with.

Get Started

Ready to Unlock Your Business Potential?

Join thousands of business owners who have secured the funding they need to grow. Get pre-approved in minutes with no impact to your credit score.

Creative and flexible business funding options. Fund Forward

Email: [email protected] Phone: +1 470-536-1552

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