Method
This site runs a structured self-audit. That sentence is the whole method, and we print it on every verdict: Self-reported — not bureau-verified.
It asks about the records lenders screen first — standing, EIN, bank account, name and address consistency, the existence of a bureau file, reporting tradelines — and applies one standing rule to your answers: any hard stop (a record that lenders publish as disqualifying) puts the verdict in the red; any other gap makes it amber, with the count printed in the headline; a clean set of answers is the only way to green. The rule never softens a headline below the worst item on its own list.
Lender floors are printed only when a lender publishes one clean set of minimums on its own pages (checked October 2026): Bluevine, OnDeck, American Express. Where a lender's own pages disagree with themselves — Fundbox, Biz2Credit, Credibly — we print the disagreement, not a floor. SBA eligibility is printed from the regulation (13 CFR Part 120). The denial-reasons right is Regulation B (12 CFR 1002.9). Vendor reporting is never printed as fact, because vendors do not publish it: the report makes it a task — confirm in writing with the vendor's credit team. Every fact carries its check date, and the floor table and sequence facts are re-verified quarterly; a dated fact we cannot re-verify comes off the page.
SBA discontinued its SBSS prescreen score for 7(a) Small Loans on 1 March 2026. Products still printing an “SBSS cutoff” are out of date. We would rather print an absence than a stale number — that is the cite-or-silence rule this site runs on.