Loan-Ready OS™ — The Complete Loan Preparation System for Small Business Owners

You're not getting denied because your business isn't good enough.

You're getting denied because your numbers aren't organized the way lenders think.

Banks and SBA lenders aren't reading your story. They're reading your DSCR, your NOI, your debt coverage margin, and your three-year trend. If those numbers aren't clean, clear, and packaged the way they expect — the answer is no.

Loan-Ready OS™ fixes that.

This is a complete 8-tab loan preparation system built for small business owners who want to walk into a lender conversation ready — not reactive.

What's inside:

Start Here — orientation guide so you know exactly what to do and in what order.

Setup — enter your business details and loan request once. Every other tab pulls from it automatically.

P&L Builder — build a clean, lender-formatted 3-year profit and loss statement. Calculates gross profit, operating income, net income, and SDE automatically.

Cash Flow Projections — 12-month forward cash flow showing exactly how you'll service the new debt. Lenders want to see this before they say yes.

DSCR Calculator — automatically calculates your Debt Service Coverage Ratio with existing debt and with the new loan included. Know your number before they run it.

Loan Readiness Score — 12 criteria scored green, amber, or red with specific fix instructions for anything that needs attention before you apply.

Document Checklist — every document required for SBA 7(a), SBA 504, and conventional bank loans. Check them off as you gather them.

Narrative Builder — 20 guided prompts that help you write your loan narrative across five sections: business overview, loan purpose, repayment plan, projected impact, and owner commitment.

Who this is for:

— Small business owners applying for an SBA 7(a) or 504 loan

— Business owners seeking a conventional bank loan or line of credit

— Entrepreneurs who've been denied and don't know why

— Anyone who wants to understand their numbers the way a lender does before walking into that meeting

What you get:

✓ Instant download — one Excel file, works in Excel 365 and Excel 2019+

✓ 8 fully built tabs with 171 formulas — nothing to build yourself

✓ DSCR calculator that auto-populates from your P&L

✓ Loan Readiness Score with green/amber/red status on 12 criteria

✓ Narrative Builder with guided prompts for every section of your loan story

✓ Document checklist covering SBA 7(a), SBA 504, and conventional loans

✓ Color-coded inputs — blue = you type, black = auto-calculated

This is not a generic business plan template.

This is the exact financial structure lenders use to evaluate your application — organized so you can see what they see, fix what needs fixing, and walk in prepared.

$97. One-time purchase. Instant download.

Your next loan conversation starts here.