Free tool · no account needed
How ready are you for funding? Find out in a minute.
Set six sliders to match your situation and see an estimated Funding Score from 0 to 100, what each factor contributes and the one change that would help most.
An educational estimate. It isn’t your in-app Funding Score, a credit score, or an offer of credit. It doesn’t check your credit.
Your inputs
Move each slider to match your situation. Everything stays in your browser.
Total card balances ÷ total card limits
Collections, charge-offs, 60+ day lates, bankruptcies
Years since your oldest account opened
Applications where a lender pulled your credit
Verifiable income before tax
Cards and loans currently open and paid as agreed
Estimated Funding Score
EstimateYou’d likely fit many lenders’ criteria. One or two factors could move you higher.
Biggest opportunity
Credit card utilization
Paying balances down toward 9% or less would lift this factor the most.
- Credit card utilization14 / 25 pts
Lenders read high revolving balances as stretched cash flow.
- Derogatory marks (last 7 yrs)20 / 20 pts
Recent negative marks are one of the first things underwriters check.
- Age of oldest account10 / 15 pts
A longer history gives lenders more evidence of how you repay.
- Hard inquiries (last 12 mo)12 / 15 pts
Several recent applications can look like a need for credit.
- Annual income11 / 15 pts
Income supports how much a lender will extend and your ability to repay.
- Open accounts in good standing10 / 10 pts
Existing accounts in good standing show lenders you can manage credit.
Educational estimate from the six inputs above, weighted utilization 25%, derogatory marks 20%, age 15%, inquiries 15%, income 15%, accounts 10%. It isn’t your in-app Funding Score (which uses your actual reports), isn’t a credit score and isn’t an offer or guarantee of credit. Lenders use their own criteria.
The six factors
What lenders look at, and why.
The same six factors the Storehouse Funding Score uses. In the app they come from your actual reports and profile.
Utilization · 25%
Card balances compared with limits. High balances suggest stretched cash flow; under 10% is strongest.
Derogatory marks · 20%
Collections, charge-offs, serious lates and bankruptcies. Recent marks matter most.
Age of credit · 15%
How long you’ve had credit. More history gives lenders more to go on.
Inquiries · 15%
Recent applications. Several in a short time can signal a need for credit.
Income · 15%
Verifiable income supports repayment and how much a lender will extend.
Accounts in good standing · 10%
Open cards and loans paid as agreed show you can manage credit.
FAQ
Frequently asked questions.
It uses the same six factors, but you enter the values yourself and the weighting is simplified. Your in-app Funding Score is calculated from your actual reports and profile, and it drives Score Match.
Higher is better. On this calculator, 70+ reads as strong and 85+ as excellent, but lenders set their own criteria and each product is different.
No. You enter the values; nothing is pulled. In Storehouse, viewing your own credit is a soft inquiry and doesn’t affect your score.
The calculator highlights your ‘biggest opportunity’, the factor with the most points left on the table given its weight. For many people that’s utilization.
Related
Keep exploring
Funding Score
How the in-app score works.
Funding & Score Match
See which partners fit your profile.
Credit Score Estimator
A score range in 6 questions.
Business funding guide
Lender factors, explained.
Get your real Funding Score and matches.
Built from your actual reports, then compared with lending and card partners.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.