Pricing
One price for each application. No subscription.
Each plan's price is shown before you start, and you pay once for each application. Or try the quick estimate first.
- No credit check
- Private numbers blacked out
- Built on SBA rules
Quick estimate
Free
On the home page
Drag the sliders or type your numbers on the home page to see roughly whether your cash flow covers a loan.
- About how much one year's cash flow could borrow
- Your debt coverage, and the payment each month and year
- What happens if rates rise 2 points
- No sign-up and no documents
Plus
$99
Paid once, for one application
Everything you need to see how a lender will look at your loan, and what to fix first.
- A readiness grade, with the reasons behind it
- How your numbers compare to common lender standards
- Debt coverage for your latest two years
- Coverage after setting money aside for maintenance and repairs
- Estimated rate, payment and cash to close for each loan
- The questions a lender will ask, from your own numbers
- A written review and plan, and a report you can save as a PDF
- Try a change: a different loan amount, price, down payment, rate or term, or a debt paid off, and how a lender would see it
- One re-check after you make changes
Premium
$149
Paid once, for one application
For when you're getting ready to apply: the papers a lender asks for, filled in from your check.
- Everything in Plus
- A lender package: who owns the business, the business debt schedule and a cash flow summary for each year
- The debt schedule and each personal financial statement on their own too, filled in and ready to sign
- SBA Form 1919 for SBA loans, and Form 413 for each owner, filled in from your check
- A letter to your lender, once a check is graded Ready
- Three re-checks within 30 days, instead of one
Re-checks
Fix what it found, then check again.
After you fix what your check found, run it again on the same saved application. Your new results sit next to your last check, so you can see what changed.
On Plus, you can upgrade to Premium from your results and pay only the difference, $50. It adds the lender package, SBA forms and letter, and two more re-checks within 30 days of upgrading. Once your plan's re-checks are used, or Premium's 30 days are up, one more re-check is $49.
Sign in to re-checkSince your last check
- Your new grade, and how it moved
- Debt coverage, coverage after maintenance and repairs, and cash after closing, then and now
- Which lender standards you now meet, and any you've slipped below
- Each question a lender would ask, marked cleared, still open or new
- A new written review and plan from your updated numbers
- On Premium, your lender package and SBA forms from your updated numbers, and your letter once you're graded Ready
When you pay
Pay once, then answer the questions.
- 1
Choose Plus or Premium and sign in
You choose and pay before you start, so your plan is ready when you've answered the questions. Signing in first saves your plan and your answers with your application, so a re-check can show what changed.
- 2
Pay by card on Stripe's secure page
Then you come straight back to the questions.
- 3
Answer the questions and add your documents
Your check runs when you press Analyze.
- If your check can't run, say because a document couldn't be read, it isn't counted. Your plan still covers it when you try again. Once your documents have gone to be read, that holds for two checks per plan.
- A re-check you buy once your plan's are used is paid for when you press Analyze.
- There's no subscription. Each plan is for one application, and you pay for it once.
- If no check has run with a payment, you can get a full refund within 30 days of paying. Once a check has shown your results, the payment is final, except when we made an error we can't fix, a problem on our side kept your results from you, or you were charged twice. Read the Refund Policy.
See what you'd get before you start.
The sample report is a made-up bakery run through the full check. LoanPrep isn't a lender, and a check isn't a loan application.