Deal Financeability Checklist

Use this checklist before you email a broker, submit an LOI, or pay for deeper diligence. The goal is simple: determine whether the deal is likely to support financing before you spend time chasing a transaction lenders will not like.

Deal Financeability Checklist.png

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This checklist is for education and deal screening only. It does not guarantee financing, approval, loan terms, or lender interest. Final decisions depend on lender underwriting, borrower qualifications, seller cooperation, collateral, cash flow, documentation, and market conditions.

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Quick Scorecard

Rate each section from 0–5:

5 = Strong / lender-friendly
3 = Possible, but needs work
1 = Weak / major concern
0 = Deal-breaker or missing information

Section	Score
---	---:
Business stability	___ / 5
Financial documentation	___ / 5
Cash flow and debt coverage	___ / 5
Seller and transition support	___ / 5
Buyer qualification	___ / 5
Deal structure	___ / 5
Risk profile	___ / 5
Total	___ / 35

Score interpretation

Total Score	What it means
---:	---
29–35	Strong financing candidate. Worth deeper lender conversations.
22–28	Potentially financeable, but expect lender questions or structure changes.
15–21	High-friction deal. Improve documentation, structure, or buyer profile before moving forward.
0–14	Likely not ready for financing unless major issues are fixed.

1. Business Stability

A lender wants to know the business is not a short-lived spike, trend, or risky transfer.

[ ] The business has been operating for at least 2–3 years.
[ ] Revenue is not dependent on one viral product, one ad campaign, or one short-term trend.
[ ] The business has a clear customer base and repeatable sales process.
[ ] Revenue has been stable or growing over the last 12–24 months.
[ ] The business is not overly dependent on a single customer, supplier, platform, or traffic source.