Excel workbook
Small Business Loan-Readiness Workbook: Lender Ratios, Debt Schedule and Document Checklist in Excel
See debt service coverage, current ratio and debt-to-equity before the bank does, and keep track of the documents a lender will ask for.
$39 one time · example and blank copies · download link by email
Who it is for
Owners preparing to talk to a bank or an SBA lender, and bookkeepers helping them get their numbers in order.
Why it is different
- It shows the effect of the new payment on coverage, not just today's ratios.
- It never predicts approval. Lenders set their own standards, so it asks for your lender's targets.
- A filled example for an invented small contractor and a blank copy with working formulas.
What is inside
- Start Here. Purpose, which cells to fill in and a plain note on what the workbook cannot predict.
- Numbers. Two years plus year to date, the balance sheet, your existing debts and the loan you want.
- Lender Ratios. Debt service coverage before and after the new loan, current and quick ratio, debt-to-equity and more, with your own targets.
- Document Checklist. What lenders commonly ask for, with a status for each item and a percent complete.
- Red Flags To Fix. Items that may need attention before you apply, worked out from your data.
- Checks. Balance check and missing inputs.
A look inside
Example data, real formulas
Get it
Small Business Loan-Readiness Workbook
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. Lenders define ratios in their own ways and set their own requirements. Nothing here predicts whether a loan will be approved. Not financial, tax or legal advice; ask your lender for their checklist. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
Rather hand it off?
We can keep the books for you each month
If tracking this yourself is more than you want to take on, we do monthly bookkeeping in QuickBooks, Xero or Excel. Tell us what you use and what is behind, and we reply with a written quote after a short review of your books. No obligation.
Get a bookkeeping quote Free books health checkPrefer to keep it yourself but want a hand getting started? Book a 45 minute setup session ($65).
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