Monthly revenue
Current operating scale and revenue capacity.
Explainable by design
Know what your EZScore™ means—and where your SmartPath™ leads.
This is the public website model in plain language: the seven inputs, their weights, the exact path thresholds, the pressure rules, and the limits of the result.
EZScore™
A readiness estimate—not a credit score.
EZScore™ is a proprietary educational indicator that summarizes the seven answers entered into the public assessment. It helps organize a funding-readiness conversation on a 100-point scale.
The distinction matters
A consumer credit score is calculated from credit-report information and may be used by lenders to predict repayment behavior. EZScore does not access a credit report and is not a FICO®, VantageScore®, FICO SBSS™, consumer report, lender score, or underwriting model.
Read the CFPB credit-score explanation
Current public assessment
38–93possible with the current answers; displayed out of 100
- Source
- Seven self-reported answers
- Credit access
- None
- Data submission
- None; calculation stays in the browser
- Purpose
- Education, preparation, and next-step planning
- Decision status
- Not an approval, denial, offer, or eligibility decision
Criteria & weights
Seven signals form the whole.
Each answer receives an internal factor value. That value is multiplied by the weight below, the seven contributions are added, and the result is rounded to the nearest whole number.
Deposit consistency
Stability, variability, seasonality, or recent strain.
Time in business
Operating history and business maturity.
Owner credit range
A self-reported range; no report is pulled.
Debt pressure
How existing obligations affect capacity.
Documentation
Whether core financial information is current.
Use of funds
How planned, productive, or urgent the need is.
The formula
EZScore = rounded sum of each factor value × its weight
The model includes guardrails of 30–94. The current answer combinations produce 38–93. These limits reflect the uncertainty of a short, unverified assessment—not a permanent grade.
Input matrix
Exactly how each answer is valued.
These factor values are the inputs to the weighted formula. Higher values indicate stronger preliminary alignment within this website model only.
| Factor | Weight | Answer → factor value |
|---|---|---|
| Average monthly revenue | 24% | Under $5K → 35 · $5K–$9,999 → 45 · $10K–$24,999 → 58 · $25K–$49,999 → 72 · $50K–$99,999 → 84 · $100K+ → 95 |
| Time in business | 14% | Under 6 months → 34 · 6–11 months → 48 · 1–2 years → 63 · 2–3 years → 78 · 3–5 years → 88 · More than 5 years → 96 |
| Business deposits | 19% | Consistent → 91 · Variable but manageable → 67 · Predictably seasonal → 61 · Strained or declining → 39 |
| Estimated owner credit | 14% | 720+ → 94 · 680–719 → 84 · 640–679 → 72 · 600–639 → 57 · Under 600 → 40 · Unknown → 54 |
| Debt and payment pressure | 12% | Low/manageable → 91 · Moderate/comfortable → 72 · Elevated/current → 51 · Strained, stacked, or behind → 34 |
| Financial documentation | 11% | Current and organized → 94 · Some updates needed → 68 · Not yet organized → 43 |
| Primary use of funds | 6% | Expansion → 88 · Equipment/vehicle → 86 · Inventory/contract → 79 · Planned working capital → 73 · Refinance → 61 · Emergency pressure → 42 |
The public model does not presently account for requested amount, industry restrictions, profitability, debt-service coverage, tax records, bank-statement verification, collateral, guarantor information, ownership, location, legal history, or a specific provider’s program rules. A provider may consider these and other factors.
Thresholds & alignment
Four ranges. One important override.
The number establishes a preliminary range. Then the model checks for high-pressure conditions before assigning a SmartPath.
PrimePath™
Stronger readiness posture—only when no pressure override is present.
GrowthPath™
Developing readiness with workable operating signals.
BridgePath™
Conditional readiness requiring a careful capital conversation.
RecoveryPath™
Build-first priorities before routing. Current answer combinations begin at 38.
The pressure override
A result of 54 or higher moves to BridgePath™ when any answer indicates strained or declining deposits, strained, stacked, or past-due debt, or an emergency cash-flow need. Below 54 remains RecoveryPath™. This rule is designed to keep urgency from being mistaken for readiness.
A one-point difference at a threshold should not be interpreted as a meaningful change in creditworthiness. The ranges organize planning conversations; they do not measure approval probability.
SmartPath™
The path explains what to do next.
SmartPath is the planning direction assigned after the score and pressure check. It is not a lender, product recommendation, application route, or guarantee.
01
Prepare for a complete conversation
PrimePath™
Confirm the amount and use of funds, assemble a complete packet, verify repayment capacity, and compare structures and total costs.
02
Strengthen and compare
GrowthPath™
Verify cash flow, close documentation gaps, and compare capital categories against realistic repayment capacity and growth timing.
03
Protect cash flow first
BridgePath™
Examine payment frequency, total repayment, existing obligations, and downside scenarios before considering a transitional option.
04
Build before routing
RecoveryPath™
Prioritize cash-flow stability, organized documents, manageable obligations, and legitimate credit-health work before re-evaluating.
Reading your result
Your number, factor ratings, and path answer different questions.
Read them together. The score summarizes the current inputs, each factor identifies a relative strength or gap, and SmartPath translates the overall picture into a planning direction.
EZScore™
The rounded weighted total from your seven answers.
Factor ratings
Strong = 82+ · Established = 66–81 · Developing = 50–65 · Needs attention = below 50. The result also shows each factor’s contribution to the total.
SmartPath™
The range-based direction after checking the three pressure conditions.
Suggested focus
Educational next-step guidance based on the assigned path—not individualized financial advice.
Why a provider may reach a different conclusion
Providers control their own eligibility, verification, underwriting, pricing, and decisions. The SBA notes that lenders may consider business credit scoring, credit history, cash flow, equity, collateral, and repayment ability. Ask every provider about its current criteria, documents, rates, fees, repayment structure, and prepayment terms.