What problem does it solve? Founders often approach lenders without knowing whether they qualify, leading to wasted applications, hard credit pulls, and surprise rejections. This Skill tests a business against standard lender criteria before any loan application, producing a pass/marginal/fail verdict per criterion plus a concrete action list to become fundable. ## Core Features & Use Cases - 5 C's of Credit Scoring: Scores Character, Capacity, Capital, Collateral, and Conditions as pass, marginal, or fail against lender thresholds. - DSCR Calculation: Computes the amortizing loan payment, whole-business and project debt service coverage ratios, owner equity percentage, and collateral coverage. - Gap-to-Action Mapping: Converts each failing criterion into a specific fix (reduce loan size, extend term, add equity, build a forecast) routed to the owning skill. - Use Case: A founder wants a $100k loan for a packaging line. The Skill computes a binding DSCR of 2.7, 20% owner equity, and 0.9x collateral coverage, then returns a bankable verdict with a recommendation to finance $75k after the equity contribution. ## Quick Start Ask the agent to assess whether your business is bankable for a specific loan amount, term, rate, and use of funds before approaching a lender.
