Features · Lender checks
What the bank asks.
See the gaps before the bank does.
Seven packs, as data.
Dutch: a bank or KvK-style business plan and Qredits. German: Gründungszuschuss (the expert opinion), KfW Startgeld, ERP-Gründerkredit and EXIST. English: an investor pack. Each lists the required sections, the statements and how detailed they must be, a forms checklist (names only, no form numbers) and the numeric rules.
- Required sections and statements
- A forms checklist, names only
- Adding a lender is adding data
The checks
What is checked.
| Check | Rule |
|---|---|
| Integrity | The statements must agree, or no number is read |
| Truth guard | Every figure in the text is a model cell |
| Sections and statements | Required ones present, at the required detail and horizon |
| Liquidity | Lowest month-end cash: below zero is a blocker, below the buffer a warning |
| Owner pay | Covers the living costs you enter |
| Debt service | Under 1 is a blocker; under the pack minimum a warning |
| Equity share and break-even | Against the pack |
| Open inputs | Unconfirmed numbers are blockers or warnings |
Be clear about this
Orientation, not advice.
- Pre-betaNo lender's real thresholds are verified
Every value is a stand-in to check with the lender or an advisor. No loan amounts, interest rates or form numbers are stated.
- Not offeredA lender decides by its own rules
Passing a check here is not an approval.
Questions
About the checks.
Is it advice?
No. It calculates from your numbers and checks against published expectations. A lender or agency decides by its own rules, and you should check the details with them. Every threshold in a lender pack is a stand-in to verify.
Which countries?
The Netherlands and Germany first, plus an English version for investors. More markets are added as data.
Which lender packs are there?
Seven: a Dutch bank plan, Qredits, Gründungszuschuss, KfW Startgeld, ERP-Gründerkredit, EXIST and an English investor pack.