Before you apply, get a banker's read on your deal.
I've underwritten over $100 billion in commercial loans from inside some of the country's largest banks. For free, I'll review your deal the way a lender will — and tell you straight where you'd get approved, where you'd get declined, and exactly what to fix first.
Most business owners apply blind.
You send your numbers to a bank, wait two weeks, and get a one-line “we're unable to move forward.” No reason. No fix. Just a hard credit pull you can't take back.
Here's what nobody tells you: the decision was made in the first ten minutes by someone reading your file against a checklist you never saw. If your DSCR was light, your time-in-business short, or your last return showed a loss — it was over before a human ever called you.
You didn't get declined because your business is bad. You got declined because no one told you what the bank was actually looking at.
Why me
I'm Ben. Before this, I was the person reading the file.
Inside some of the biggest banks in the country, I underwrote over $100 billion in commercial and corporate loans in five years — including single deals north of $10 billion. I built the credit boxes and worked them. I know what gets a file approved, what gets it quietly shelved, and what makes an underwriter stop reading on page one.
Then I left to build the thing I wish borrowers had: a straight read before they apply, from someone who actually sat on the bank's side.
And if you think your deal's too small to matter — it's not. The fundamentals that decide a $10 billion deal are the same four that decide a $200,000 one: cash flow, coverage, collateral, character. Same rigor, your size, in plain English.
I didn't learn this from a sales script. I learned it from the inside, at the highest level. That's the read you're getting.
— Ben, Founder of Oregon Business Lenders
What you get
- ✓A fundability read — Whether your deal is bankable today, borderline, or not yet — and why.
- ✓Lender-fit direction — The type of lender and product your profile actually fits, so you stop knocking on the wrong doors.
- ✓Your specific gaps — Exactly what an underwriter will flag, ranked by what to fix first.
How it works
Submit your basics
A short form — no document dump, no hard credit pull.
I review it like a bank would
The same lens an underwriter uses.
You get the read
Where you stand, what to fix, and a call if it's a fit. No obligation.
This site is an educational resource. For a lender audit, visit one of our financing sites.
The Free Lender Audit is an informational review based on the information you provide. It is not a loan application, a credit decision, or a commitment to lend or to arrange financing, and it is not a guarantee of approval, funding, rates, or terms. Oregon Business Lenders is a loan broker, not a direct lender; any financing is provided by third-party lenders subject to their own underwriting. Reviews are general in nature and do not constitute financial, legal, or tax advice.