Our Business Lending Review Methodology
How CapitalReady evaluates business lenders: research standards, scoring framework, and editorial independence.
No Pay-to-Play
We never accept payment to change ratings.
Real Testing
Every product is personally evaluated by our team.
Always Updated
We refresh reviews when products change.
How We Review Business Lenders
Scoring Framework
1. True Cost of Capital (25%) — APR calculation including origination fees and prepayment penalties. A low-rate loan with high fees often costs more.
2. Approval Accessibility (25%) — Minimum credit score, time in business, revenue threshold, and industry restrictions.
3. Funding Speed (20%) — From completed application to funded account. We verify claimed timelines through customer reports.
4. Transparency & Terms (15%) — Is the full cost disclosed before application? We penalize lenders that require a hard credit pull before disclosing rates.
5. Customer Service (15%) — Dedicated relationship manager availability and dispute resolution rate.
Important Disclosure
Business lending information on CapitalReady is for informational purposes only. Consult a qualified financial advisor.
Last updated: April 2026
Last updated April 11, 2026