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Ready for the Bank?

WithJames Sinclair

Tick off your pack, type in your figures, and get a to-do list in the order the lender reads it.

Scores your pack in the order a lender reads it, works out your debt service cover and turns any flat rate into APR.

£19inc VAT. Pay once, keep it
Buy now, £19

Online tool, works on your phone.

Secure card checkout. Your login follows by email. 14 days to change your mind.

The Ready for the Bank? tool on a phone

A good set of bank managers and a great broker must be in the toolbox of any ambitious entrepreneur.

James, 17 Mar 2025, My Relationship with Banks

Your pack scored in the lender's order: management, affordability, security, then the plan.

Who it's for

  • You're about to ask for money and want to know what's missing first.
  • You've got a finance or lease quote that says flat rate.
  • You don't know whether the business can carry another loan.

What it tells you

How ready your pack is
Management, affordability, security and the plan, scored in that order.
Your debt service cover
Now, and with the new loan's repayments added.
What the quote really costs
Any flat rate turned into APR, with the fees in.
What to do next
Every gap, listed in the order a lender reads it.

What you get

  • Online tool: Ready for the Bank?
  • Works on your phone, saves as you go
  • What you enter stays on your device: nothing is uploaded

14 days to change your mind

If it isn't for you, reply to your receipt email within 14 days of buying and you get the full price back.

The Get the Bank to Say Yes workbook cover, with the bank pack checklist behind it
Or get it included

Ready for the Bank? comes free inside Get the Bank to Say Yes

A 25-page workbook, six video lessons that help you put it to work, and the Ready for the Bank? tool. What a lender looks at first, the plan I walk in with, and how I keep the cash in while I borrow.

£49 for the course, with Ready for the Bank? includedSee the course

Questions

How do I get it?

Your login arrives by email straight after you pay. Open the tool from there on any phone or laptop.

How long do I have?

Pay once, keep it.

Where does my data go?

Nowhere. Everything you enter stays in your own browser. Nothing is uploaded and nobody else sees it.

Is this financial advice?

No. It's general information from my own experience. The tool works to 1.25 times debt service cover and 12 months of management accounts, and each lender sets its own minimum, so ask yours. Speak to a qualified adviser before you borrow.

What if it's not for me?

You have 14 days. Reply to your receipt email within 14 days of buying and you get the full price back.

Get the tool

Scores your pack in the order a lender reads it, works out your debt service cover and turns any flat rate into APR.

£19inc VAT. Pay once, keep it
Buy now, £19

Online tool, works on your phone.

Secure card checkout. Your login follows by email. 14 days to change your mind.