Free checklist
Ready-by-morning score
Tick what you already have. See how ready your file is for the first call, and what to gather before the working day starts.
Your ready-by-morning score
0%
Tick what you already have.
Send the enquiry anyway →You don't need 100% to enquire. There's no credit check when you first enquire, and a real person will tell you what matters for your situation.
Why a readiness score beats a long document list
Most document checklists are written for someone sitting in a bank branch at 11am. This one is written for the kitchen table at 11pm. Each item has a tip for finding it after hours, and the score only counts what applies to you, so you're not chasing a mortgage statement if you're not offering property.
The goal isn't perfection. It's making sure the first call with a lending specialist is spent on options and timing, not on "can you send me…". Every item you tick tonight is one fewer request tomorrow. Our overnight preparation guides go through each document in more depth, including bank statements and property papers.
What the score means
- Under 40%: enquire now anyway, then use the missing list as your to-do list. A specialist can still talk through options on the first call.
- 40–79%: you're in good shape. The gaps are usually a single statement or a signer who needs a heads-up.
- 80% and above: your file is close to complete. That's what makes "possible" speeds realistic once the day starts.
Want to see the whole night laid out, including when someone calls? Use Your next 24 hours. When you're ready, send your 60-second enquiry — accurate answers help us match the right option the first time.
Questions about the score
Do I need every document before I enquire?
No. Send the enquiry first; it takes about 60 seconds and there's no credit check when you first enquire. The score simply shows what will speed up the first call and anything that follows it.
Why does property paperwork matter so much?
Because property-secured loans are sized on equity. A rates notice confirms the property and owners, and a recent mortgage statement shows what's already owed, which together give a specialist a starting estimate of available equity.
What if my bookkeeper has the figures?
Most accounting software lets the business owner export a profit and loss and a balance sheet at any hour. If you can't get in tonight, note who can and when, and mention it in your enquiry.
Is my checklist saved anywhere?
No. The score runs entirely in your browser and nothing is sent or stored. Refreshing the page clears it.
Ticked enough? Send it tonight.
Your enquiry waits in the queue while you sleep. No credit check to enquire, and no spray of your details to other lenders.
No credit check to enquire
No spray-and-pray
A real person picks it up