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Free Credit Readiness Check

How would a lender's credit team read your business today?

Nine short questions — about two minutes. You will receive an instant readiness verdict on the same scale a credit committee uses, stated against the lender type you name, and a directional read on where your file is strongest and weakest. No charge, no sign-up to see your result.

Nine questions · ~2 minutes · Result shown free
0 of 9 answered
Before you begin — does your business trade across the UK–Africa corridor (for example, importing from or exporting to African markets)?
Last question — which type of lender do you intend to approach?
A mainstream bank is a clearing or established commercial bank lending on its own balance sheet. Specialist and non-bank covers challenger banks, asset-based, invoice and specialist term lenders, and non-bank funders. If you are not sure, say so: mainstream bank standards, the more demanding basis, will be applied.
Answer all questions to see your verdict
Your readiness verdict
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Optional — estimate your debt service cover

A rough indication of whether your cash flow covers your loan repayments. Lenders look for at least 1.25×. Leave it if you would rather not — it does not change your verdict above.

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This is a simplified, indicative estimate. A true DSCR also accounts for maintenance capital expenditure and the adjustments a credit analyst makes — normalising director compensation and stripping one-off items — which often change the figure materially. The Credit Snapshot computes it properly on your actual numbers.

What to do next

Get your tailored "what to fix first" breakdown

Your verdict above is the headline. Leave your details and Samuel will send you a short, tailored read of the specific gaps in your answers — and the order to address them. Written personally, not automated.

Received — thank you.

Your details are in. Samuel will review your answers and send your tailored breakdown personally. In the meantime, the two steps below are the fastest way to turn this into a fundable file.

This is a self-assessment, not regulated financial advice. Ziyon Capital Advisory operates outside the FCA regulated perimeter and does not arrange finance or introduce lenders. The check is a directional guide to readiness — not a lending decision, a guarantee of any outcome, or a substitute for professional advice on your specific circumstances.