Built by a lender. Not a guru.

Manifesto

Most small business owners are declined for fixable reasons. And nobody tells them.

I have spent more than a decade on the lender side of the desk. I have watched underwriters decline good owners with good businesses for reasons those owners could have fixed in a weekend, if anyone had bothered to explain the math. The information asymmetry is the entire problem. Banks do not write the rules down in plain English, and the people who do write them down in plain English usually want to sell you a coaching program.

I founded Integrity Cap to fix the broken SBA process from inside the system. We have placed more than $250M with more than 75 banking partners, and along the way I noticed a pattern: more than half of the owners who came to us for funding were not bank-ready, and most of them did not know it. Some of them needed thirty days to be ready. Some needed six months. None of them needed another sales call.

BusinessEligibility is what I wished existed when I sat across the desk from those owners. A five-minute screen that tells you what a bank will see before a bank ever sees it. A score, a reason, and a fix list. And for owners who want the long version, a curriculum that walks you through every element a bank evaluates, taught the way I would teach it if you were sitting in my office.

If you have been declined, you are probably not as far from approved as you have been led to believe. Take the screen. Read the report. Then decide.