20 checkpoints between your client and a funded business
Lenders run through a compliance checklist before reading a single financial statement. Most declines happen here, before creditworthiness is even evaluated. Once all 20 checkpoints clear, clients move into full pre-qualification for 20+ funding programs.
The Real Reason for Declines
Lenders check compliance before they check credit
When a lender receives an application, underwriters run automated compliance screening before a human ever looks at the file. Gaps in entity structure, business address, licensing, or bureau registration trigger immediate soft declines.
The frustrating part: these are all fixable. Our 150-point business scan identifies every gap and walks clients through correcting each one.
Without compliance review
A business with excellent personal credit and solid revenue is auto-declined in 48 hours because their DUNS number doesn't match their business address, or their entity isn't registered in the state where they operate.
With OwnersPath compliance
All 20 checkpoints are cleared before the client applies anywhere. The lender sees a clean, complete, consistent profile that signals low risk from the first automated scan.
The Checklist
All 20 lender compliance checkpoints
Organized into five areas lenders evaluate before a human ever reads the file.
Entity Structure
Proper LLC, S-Corp, or C-Corp registration in operating state.
EIN Registration
Federal EIN matching IRS records exactly.
Business License
Current license in the applicable jurisdiction(s).
Ownership Records
Consistent owner information across filings and bureaus.
Business Address
Physical address matching across all lender databases.
Business Phone
Listed business phone matching entity registration.
Business Website
Active website with SSL matching the business name.
Business Email
Domain-based email, not personal Gmail or Yahoo.
DUNS Number
D&B DUNS registered and linked to correct address.
D&B Profile
D&B Paydex score active with at least one tradeline reporting.
Experian Business
Experian Intelliscore Plus file open and current.
Equifax Business
Equifax Small Business Credit Risk Score established.
FICO SBSS Score
Blended score above 165 for SBA loan consideration.
Business Bank Account
Dedicated business account with sufficient average balance.
Debt-to-Income Ratio
Business and personal DTI within acceptable lender ranges.
Personal Guarantor
Owner personal credit verified and within acceptable range.
No Public Records
Clean record: no judgments, liens, or UCC filings.
Time in Business
Verified operating history meeting lender minimums.
Industry Classification
SIC or NAICS code accurately reflecting operations.
Secretary of State
Active standing with no delinquent filings or warnings.
Give your clients a compliance-clean profile
Schedule a demo to see how OwnersPath walks clients through all 20 checkpoints step by step.