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ACESBA

Find out if your business is ready for an SBA loan.

A 15-question assessment built on the criteria SBA lenders use. See your readiness score, the program that fits, the issues a lender will raise and a 90-day plan to resolve them.

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  • About 6 minutes
  • No credit check
  • Current SBA rules

SBA Readiness Report

Rivera Bakery LLC

Sample

Readiness level

SBA Track Ready

Close to lender-ready. Two areas need attention before applying.

  • Business strength 20/25
  • Repayment capacity 12/15
  • Documentation 13/25
  • Credit 15/20
  • Funding fit 8/15

Best fit

SBA 7(a)

Red flags

2 to resolve

How it works

Three steps to an SBA‑ready application

  1. 1

    Answer 15 questions

    Tell us about your business, your records, your credit and the funding you need. It takes about six minutes, and your answers save as you go.

  2. 2

    Get your results

    Complete your purchase ($19.99) and your score, readiness level, best-fit SBA program and top three actions appear immediately.

  3. 3

    Close the gaps

    Work through your 90-day plan, using ACESBA templates and kits to prepare the documents lenders expect.

Your report

See your business the way an SBA lender will

Your report measures your business against the standards SBA lenders apply, then shows where your application is strong, what will be questioned and what to fix before you apply.

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  • Readiness score

    A score out of 100 across business strength, repayment capacity, documentation, credit and funding fit.

  • Eligibility check

    Confirms you meet SBA’s pass-or-fail rules, including the 2026 ownership and citizenship requirements.

  • Program match

    Identifies the SBA program built for your situation, from 7(a) and 504 to Microloan, Express, Export and Disaster.

  • Lender red flags

    Anticipates the questions an underwriter will raise, with the steps to resolve each one before you apply.

  • Document checklist

    Lists every document your program requires, with SBA form numbers, and marks what is still outstanding.

  • 90-day action plan

    Sets out your next steps in order of impact. A free retake within 90 days measures your progress.

Templates & kits

SBA loan templates for a lender-ready package

Business plans, financial projections, document checklists and loan request templates, drafted to current SBA requirements, each with instructions and a completed example.

View all templates
Kit Available now $129.00

7(a) Loan Package

A complete 7(a) or SBA Express application package.

  • 13 templates covering every core 7(a) document
  • Historical and projected cash flow workbooks
  • Cover letter and assembly guide
Word / Google Docs · Excel / Google Sheets · PDF
View details
Kit Available now $89.00

Startup & Microloan Kit

For businesses in their first year or borrowing under $50,000.

  • 13 templates, including the business plan, projections and startup budget
  • Equity injection and sources and uses
  • Startup and microloan program guide
Word / Google Docs · Excel / Google Sheets · PDF
View details
Template Available now $39.00

3-Year Projection & Cash Flow Workbook

Monthly and annual projections that test debt service coverage the way a lender does.

  • 36 months of profit and loss and cash flow, with annual summaries
  • Year-end balance sheets with a balance check
  • Coverage tests at 1.10, 1.15, 1.25 and 1.0 global, set by your loan type
Excel / Google Sheets · PDF guide
View details

SBA loan programs

Which SBA loan is right for your business?

Clear guides to each program’s limits, terms, rates and requirements, plus an SBA loan calculator to estimate your payment.

Frequently asked questions

What is the SBA Readiness Report?
A $19.99 assessment that scores how prepared your business is for an SBA loan, based on the criteria lenders use. You receive your score, readiness level, eligibility check, program match, lender red flags and an action plan, with a detailed report by email.
Is this a loan application or a credit check?
Neither. ACESBA is not a lender, does not share your answers with lenders and never runs a credit check. You provide your estimated credit score range.
How current is the information?
Questions, scoring and program details follow current SBA requirements, including SOP 50 10 8.1, effective October 1, 2026, and its ownership, citizenship and residency rules. Program figures were last checked against sba.gov in October 2026.
What if my score is low?
Your report shows exactly what to address first. Most gaps, such as financial statements, tax filings or a business plan, can be closed within a few months.

Know where you stand before you apply.

15 questions · about 6 minutes · Was $29.99, now $19.99

Start the assessment