For bankers and lenders
Send your borrowers in better prepared.
A free, bank-neutral guide that explains business lending from your side of the desk. Use it with any borrower, at any bank. No cost, no sign-up, no competing pitch.
Why bankers use it
- Better first meetings. Borrowers arrive knowing what DSCR is and which documents to bring.
- Fewer surprises in underwriting. The guide explains why the bank’s cash flow number is lower than the owner’s.
- A kinder decline. Send a borrower a clear path forward instead of a dead end.
- Bank-neutral. It doesn’t send borrowers to any particular bank. Written by a commercial lender, for every lender.
1. Email it to borrowers before they apply
Copy this, fill in the brackets, and send it from your own email.
Subject: Before we talk about your loan request Hi [Name], Thanks for reaching out about financing. Before we meet, take a look at this free guide. It was written by a commercial lender and explains, in plain English, how banks look at a loan request: https://businessfinancingmadesimple.com Three pages worth reading first: - What banks look for in a business loan: https://businessfinancingmadesimple.com/answers/what-do-banks-look-for-in-a-business-loan - The documents we will ask for: https://businessfinancingmadesimple.com/answers/business-loan-documents-checklist - A free DSCR calculator to see where you stand: https://businessfinancingmadesimple.com/calculators/dscr It's free, with no sign-up and no sales pitch. Bring any questions to our meeting. [Your name]
2. Send it after a decline
Subject: Next steps on your loan request Hi [Name], Thank you for the chance to review your request. We aren't able to approve it as submitted, and I want to give you a clear path forward. This free guide explains the most common reasons loans are declined and how to fix each one: https://businessfinancingmadesimple.com/answers/why-was-my-business-loan-denied The specific items in your file were: [reasons]. Once those are addressed, I'd be glad to look at it again. [Your name]
3. Put the DSCR calculator on your website
Paste this code into any page on your bank’s or firm’s site. The calculator runs entirely in the visitor’s browser. It collects no data, sets no cookies, and shows no ads.
<iframe src="https://businessfinancingmadesimple.com/embed/dscr.html" title="DSCR calculator" width="100%" height="420" style="border:0;max-width:560px" loading="lazy"></iframe> <p style="font-size:13px">DSCR calculator from <a href="https://businessfinancingmadesimple.com/calculators/dscr">Business Financing Made Simple</a></p>
Here’s what it looks like:
4. The right page for each situation
- Borrower is getting ready to apply: Business loan documents checklist
- Borrower asks how much they can borrow: How Much Can I Borrow? calculator
- Loan was declined: Why was my business loan denied?
- Borrower is choosing between SBA programs: SBA 7(a) vs. 504
- Borrower is using merchant cash advances: MCA APR calculator
- Line of credit is always maxed out: Line of credit vs. term loan
- Financials need work: Chapter 2: Financial statements
- Cash flow problems: Chapter 4: Cash flow and the 13-week forecast
Workshops and co-branded versions
The author speaks to chambers, associations, and bank client events on how to get a yes from a bank. To ask about a workshop, or a version of the guide for your clients, email info@moriahoc.com.
Educational content only, not financial advice. Each lender sets its own credit standards. See our full disclaimer.