--- title: "Small Business Loan-Readiness Workbook (Excel) | MCC" description: "Excel workbook that shows the ratios lenders commonly look at, with and without the new loan, plus a debt schedule, a document checklist and a list of things…" url: "https://mcc-solutionsnj.com/toolkits/loan-readiness-workbook" --- 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 · 14-day full refund · example and blank copies · download link by email Buy now, $39 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for Owners preparing to talk to a bank or an SBA lender, and bookkeepers helping them get their numbers in order. Not the right fit if You want to know whether a loan will be approved: nothing here predicts that; ask your lender for their checklist. 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 [![Lender Ratios tab of the Small Business Loan-Readiness Workbook, with example data](/img/toolkits/loan-readiness-workbook/a.png)](/img/toolkits/loan-readiness-workbook/a.png) Lender Ratios tab with example data. Made-up numbers. [![Red Flags To Fix tab of the Small Business Loan-Readiness Workbook, with example data](/img/toolkits/loan-readiness-workbook/b.png)](/img/toolkits/loan-readiness-workbook/b.png) Red Flags To Fix tab with example data. Made-up numbers. Get it ## Small Business Loan-Readiness Workbook Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=loan-readiness-workbook) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. Delivered as a zip with a filled example and a blank copy. Built for Excel, tested in LibreOffice; it should open in Google Sheets but not every feature is tested there. For one business, your own use. General information, not accounting, tax or legal 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. Ways to get it ## Just this kit, or more This kit **$39 one time** Loan-Readiness Workbook. Buy this kit The set **$89 one time** 3 kits including this one, $28 less than buying them separately. [See the set](/toolkits/business-finance-ratios-bundle) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The Loan-Readiness Workbook as two Excel files in one zip: a filled-in EXAMPLE so you can see every tab working, and a BLANK copy for your own numbers, plus a README. The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** Built for Excel and tested in LibreOffice, which runs on Mac and Windows; it should open in Google Sheets, but not every feature is tested there. Phone spreadsheet apps are not tested. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** No, it is not financial, tax or legal advice; ask your lender for their checklist. **Is it the right fit for me?** It is made for owners preparing to talk to a bank or an SBA lender, and bookkeepers helping them get their numbers in order. Skip it if you want to know whether a loan will be approved: nothing here predicts that; ask your lender for their checklist. 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](/bookkeeping/#interest) [Free books health check](/bookkeeping/health-check) Prefer to keep it yourself but want a hand getting started? [Book a 45 minute setup session](/workbook-setup-session) ($65). Buy it with the others [Bundle ### Business Finance Ratios Bundle This product plus 2 more, in one download. $89 instead of $117 separately](/toolkits/business-finance-ratios-bundle)[### Month-End Close Workbook A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock. $19](/toolkits/month-end-close-workbook) ## More bookkeeping and business toolkits - [Small Claims Case Organizer](/toolkits/small-claims-case-organizer) $19 - [Small Importer Landed-Cost Kit](/toolkits/small-importer-landed-cost-kit) $19 - [Small Landlord Compliance Tracker (New Jersey)](/toolkits/landlord-compliance-tracker) $19 - [SNAP Work Requirement Tracker](/toolkits/snap-work-requirement-tracker) $9 - [Social Security Claiming Organizer](/toolkits/social-security-claiming-organizer) $17 - [Sole Proprietor Tax-Time Organizer](/toolkits/sole-proprietor-tax-time-organizer) $24 [See every toolkit and document pack](/toolkits/all) ## Rather have someone do the books? [Get a Bookkeeping Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)