Avoid wasted applications
Understand whether your business is likely to qualify before investing time in a loan application.
Financing readiness for Nigerian SMEs
Know your credit readiness before you apply
Credit Compass helps small and medium business owners understand how lenders may view their business — and what to improve — in minutes.
Start free assessment
Free · No account · ~3 minutes
Why use Credit Compass?
Loan rejections cost time and momentum. This assessment gives you a clearer picture of your financing readiness before you apply.
Quick, self-reported assessment
Enter a few details about your revenue, expenses, and operations to receive an instant readiness score.
Clear next steps
Get actionable recommendations focused on the areas where your business has the most room to improve.
How it works
Three steps to understand your business's financing readiness.
01
Share your business details
Tell us about your monthly revenue, expenses, business age, customer base, and how you keep financial records.
02
Receive your readiness score
We calculate a credit readiness score from 0–100 and show where your business stands today.
03
Review insights and recommendations
See key characteristics of your business and practical steps to strengthen your financing readiness.
What we assess
Your readiness score is based on five factors lenders commonly review during business loan applications.
- Monthly revenue
- Monthly expenses & profitability
- Business age
- Customer count
- Financial record keeping
Ready to assess your business?
The assessment takes just a few minutes. No account required — your results are available for this session only.
This assessment is for educational purposes only and does not constitute an official credit score or guarantee of loan approval.