No applications, no credit pulls, no calls with someone reading a script. You take the screen, you read the report, and you decide your path. The bank-readiness work happens here, in private, before any underwriter ever sees your file.
Five minutes. Self-reported. We ask the same questions a real underwriter asks: credit posture, debt service coverage, how your tax returns map to cash flow, your debt schedule, and the personal versus business signals a bank weighs. No credit pull. No application.
You get a bankability score, the exact reasons a bank would decline the file today, and a prioritized list of fixes ranked by impact. Plain language, no jargon. The report is yours to keep.
Most owners fix two or three things in 30 to 90 days and move on. If you want the full underwriting curriculum, Full Membership is Matthew Carlucci personally teaching every element a bank evaluates. When you are bank-ready, we route you into the Integrity Cap funding flow.
BusinessEligibility was built inside Integrity Cap, which has placed more than $250M of capital with more than 75 banking partners. The Quick Screen was reverse-engineered from the underwriting checklists we have watched real bankers use to approve, decline, or sit on a file.
Every Quick Screen produces a structured report. Here is what is inside.
A single number with a clear band: ready, fixable in 30 to 90 days, or needs structural work. No vague color codes.
Line-by-line: the exact reasons a bank would decline you today, in the order an underwriter would write them up.
Ranked by impact and time-to-fix. Some fixes take a weekend. Some take a quarter. You see both, with the math.
Five minutes if you know your numbers. Up to fifteen if you have to look anything up. You do not need to upload documents, just answer honestly.
No. We do not pull credit. The screen is entirely self-reported. The bank metrics we evaluate are based on what you tell us.
You decide. Most owners fix the top two or three items themselves over 30 to 90 days, then re-test. If you want a curriculum and a teacher, Full Membership is the next step. If you are already bank-ready, we can route you into the Integrity Cap funding flow.
No. The report is yours. You can take it to any bank or broker. Most owners come back to us because we know the underwriters and we know which fixes you have already made.
Yes. Both products carry a seven-day money-back guarantee. If the report or curriculum is not what you expected, write to us inside seven days for a full refund.
The Quick Screen takes five minutes. The fix list is yours forever.
