Would a bank lend
to you today?
Most Sri Lankan businesses are turned down for the paperwork, not the trade. LoanReady asks about your business in plain language, scores you the way a credit officer would, and prepares the application pack to put in front of a lender.
Built for businesses without accountants
You are never asked for a balance sheet, a cash flow forecast, or a term you have not heard of. You are asked what you sell, what comes in, and what goes out. The credit analysis is done from those answers, not demanded from you.
01
Answer questions about your business
Plain language, one at a time. What you sell, what comes in, what goes out, what you own. No accounting terms, and nothing you need an accountant to answer.
02
Upload whatever documents you have
Bank statements, registration, a cash book, photographs of the shop. Missing something is not a failure — it is recorded as not yet evidenced, never scored against you.
03
Get your score and your application pack
A loan readiness score out of 100, an honest view of whether a lender would say yes today, and the documents to put in front of one.
Not being registered does not disqualify you
Plenty of good businesses have no certificate and no formal books. That changes which lenders can help and what you should fix first — it does not stop you finding out where you stand.
Businesses with limited records
No audited accounts, no formal bookkeeping. If you know your trade, you can answer these questions.
Owners who have been declined
Usually the paperwork failed, not the business. This tells you which part, and what would change the answer.
Anyone about to approach a bank
Find out how you look to a credit officer before they form a view, not afterwards.
What you receive
Six documents, prepared from your answers and reviewed by a CapRaise analyst before anything is released. Four are yours to send to a lender; two are the analyst’s own working papers.
- Loan readiness score out of 100, with every factor explained
- Risk rating, and a confidence level showing how much rests on evidence
- How much a lender could realistically support, and why
- Whether cash flow or security is the limit on your borrowing
- A ranked improvement plan, most valuable action first
- Six documents, reviewed and released by a CapRaise analyst
Loan Proposal
The submission document, ordered the way a credit officer reads it. Complete enough to be assessed without a meeting.
Executive Summary
One page carrying the whole case. Often the only page that gets read.
Improvement Report
The report owners value most, especially when the answer today is no. What to fix, in what order, and roughly how long each takes.
Risk Assessment
What could go wrong and what offsets it, stated as consequences rather than labels, so a lender does not have to derive it.
An assessment, not an approval
LoanReady tells you how ready your application is and prepares it properly. It is not a loan, and it does not guarantee that any bank will lend to you — that decision rests entirely with the lender. What it does is make sure the case you put to them is the best true version of your business.
Where a question is left unanswered, it is recorded as unproven and lowers the confidence in your score. It is never scored as though the answer were bad. A small business with no paperwork is not the same as a badly run one, and the assessment says so.