Capital Readiness Score

The Capital Readiness Score is produced by the Bankable One Fundability Assessment. It scores five dimensions — entity structure, credibility signals, business credit profile, financial documentation quality, and lender fit — and returns both an aggregate score and the underlying rubric so an owner can see exactly what is dragging the number down.

It is deliberately not a proxy for a personal FICO score, a Paydex, or a bank rating. Those measure narrow slices of credit history. The Capital Readiness Score measures fundability the way a credit committee would read the file: does the structure, story, and documentation support the ask.

In practice, scores in the 80s indicate a business that a regional bank or SBA lender will engage with substantively. Scores in the 60s and 70s indicate a business that needs one or two targeted fixes before a lender submission is productive. Scores below 60 indicate a business that will burn its lender relationships if it submits now.

The score is not the deliverable — the gap list is. Every engagement tier at Bankable One is priced against the specific gaps the score surfaces, and the score is re-measured at the end of the engagement so the improvement is documented.