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Business Loan Eligibility & Credit Analyzer

Less a calculator, more an automated preliminary credit analyst. Enter your figures or upload three years of financials, and see what a lender will see — what is strong, what is weak, what the red flags are, and how every eligibility number was arrived at.

Important: This tool provides an indicative financial and credit eligibility assessment based on information supplied by the user, applicable regulatory frameworks, selected assumptions and available lender/product criteria. It does not constitute a loan sanction, approval, commitment, guarantee, credit opinion or financial/legal/tax advice. Final loan eligibility, pricing, collateral requirements and sanction are subject to lender-specific policies, verification, credit bureau checks, valuation, documentation and final underwriting.

Step 1 — How would you like to start?

Quick Mode gives an indicative range from headline figures in about two minutes. Detailed Mode reads your financial documents and produces a full credit assessment.

Borrower classification

Step 2 — What are you looking to borrow?

The requirement is compared against the eligibility on every product, so you can see which structure actually covers it.

Step 3 — Business details

Vintage, industry and existing borrowing drive the lender policy gates. Existing obligations are deducted before any new facility is sized.

Existing borrowing & banking

Collateral offered — optional, needed for LAP and DLOD

Step 4 — Financial information

Step 5 — Verify the figures

Nothing is assumed. Every figure read from a document appears below for you to confirm or correct. Blank cells are treated as not supplied, never as zero.

Step 6 — Financial analysis

Three-year trends, ratios and the cross-document consistency check.

Step 7 — Loan eligibility

Every product, every number, and the full derivation behind each one. Expand any calculation to see exactly how it was reached.

Step 8 — Risk assessment

The Loan Readiness Score, and every red flag a credit officer would raise on this file.

Step 9 — Recommendations

The most suitable structure, what is missing from the file, and what would move the number if it were corrected.

Step 10 — Credit assessment report

The complete assessment in one document.

The report opens in your browser's print view — choose "Save as PDF". CMA data downloads the bank-format workbook (Forms I–VI). Its estimated and projected columns are a mechanical extrapolation and must be replaced with the borrower's own projections before submission to a lender.

Want this reviewed by a person?

An indicative assessment is a starting point, not a sanction. If the numbers look workable — or if they do not and you want to know why — talk it through with Rytvae before you approach a lender.

Request consultation

Rytvae is a distributor and does not sanction loans. Sanction, pricing, collateral and repayment terms are at the sole discretion of the lender, following its own verification, credit bureau checks, valuation and underwriting.