SME Bank-Ready Score

Find out how banks see your business. Answer 8 questions and get a personalised readiness score with actionable insights.

Dimension 1 of 8

Annual Turnover

Banks look at your revenue trajectory. Steady or growing turnover signals a healthy business. Large year-on-year swings (>35%) may trigger extra scrutiny.

Current Year Turnover

Prior Year Turnover

Dimension 2 of 8

Net Profit Margin

Profitability shows your business can service debt. Banks typically want to see consistent margins — wild swings can be a red flag.

Current Year Net Profit ($)

Prior Year Net Profit ($)

Dimension 3 of 8

Years in Business

Lenders view trading history as a proxy for stability. Under 1 year is extremely difficult to finance; 2+ years is the sweet spot.

How long has your business been operating?

Dimension 4 of 8

ATO Tax Compliance

Banks check ATO portal status. Outstanding tax debt (especially >$25K without a payment plan) is one of the fastest ways to get declined.

Select all that apply:

No ATO debt — all clear

ATO debt exists, but payment plan is in place

ATO debt <$25K, no payment plan

ATO debt >$25K, no payment plan

BAS lodgement overdue

Dimension 5 of 8

Existing Debt & Gearing

Your debt-to-asset ratio tells lenders how leveraged you are. There's no hard cutoff — but higher gearing means more risk and tighter terms.

Total Business Debt ($)

Total Business Assets ($)

Dimension 6 of 8

Industry Type

Banks maintain internal risk ratings by industry. Construction, property development, and mining face the strictest scrutiny. Professional services and healthcare are generally favoured.

What industry is your business in?

Dimension 7 of 8

Director Credit Score

Most lenders check directors' personal credit. Below 600 is a near-automatic decline at major banks. 700+ puts you in the strongest position.

700

300500600700900

Dimension 8 of 8

Cash Flow Consistency

Lenders review bank statements for consistent cash flow. Seasonal variation is fine if explainable — but volatile, unpredictable patterns raise concerns about debt servicing.

How would you describe your business cash flow?

out of 100

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Your 8-Dimension Breakdown

Key Findings

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This tool provides general guidance based on common bank lending criteria. It is not financial advice and does not guarantee loan approval. Each lender has unique policies. Contact Oney & Co for a personalised assessment.