Capital

See how loan-ready you are, find lenders and grants that fit, and close the gaps before you apply.

When you need funding, the hardest part is often not knowing where you stand — so you apply blind, get turned down, and never learn why. Capital fixes that. It reads your real numbers, tells you how loan-ready you actually are, shows you the exact gaps to close, and points you to lenders and grants that fit *your* business. You walk in prepared instead of hopeful.

A note up front, because it matters: Bizer isn't a lender and doesn't make credit decisions. Capital is your coach and your matchmaker — it gets you ready and shows you the doors; you decide which to walk through.

How it works

1. Get your Loan-Readiness Score. Capital computes a 0–100 readiness score from your actual Money data — annual revenue, net margin, an estimated debt-coverage ratio, and how long you've been in business — and calls out your weakest area.
2. Tell it what you're after. Enter how much you need, the type (term loan, line of credit, or SBA loan), and a few details. The math updates live as you adjust the amount, so you can see what's realistic.
3. Close the gaps. A plain checklist shows what's holding your readiness back, each item linking straight to the part of Bizer that fixes it — so “get loan-ready” becomes a short to-do list, not a mystery.
4. See lenders that fit. Capital ranks matching lenders as *likely*, *possible*, or *long shot*, with the reasons why, and a link to apply or learn more.
5. Check grants too. On the Grants tab, find federal grant programs matched to your industry (sourced from the official government catalog), each linking out to Grants.gov, plus a readiness checklist for applying.
6. Look up your SAM.gov registration. If you're chasing grants or government work, Capital can check your official registration status by your UEI number or business name.

What it helps you do

• Know your odds before you apply instead of collecting rejections.
• Fix the specific things lenders look at, with a checklist that links to the fix.
• Find funding that actually fits — the right lenders and real grant programs, not a generic list.
• Get ready for government funding by sorting your SAM.gov registration.

Questions business owners ask

Does Bizer lend me money or decide if I qualify? No. Bizer is not a lender and makes no credit decisions. It prepares you and shows you matches; the actual lending and approval happen with the lender.

Where does my readiness score come from? From your own Money data in Bizer — so the more of your finances you're tracking, the more accurate it is. If some inputs are missing, the score is honest about it and the checklist tells you what to add.

Will my information be shared with lenders? Only with your explicit consent, and Bizer discloses that it may be compensated by some partners. Nothing goes out because you browsed — sharing happens when you choose to apply.

Are the grants real, and can Miles apply for me? The grant matches come from the official U.S. government catalog and link you to Grants.gov to apply — you complete the application there. It's a finder and a readiness coach, not an auto-filer.

Why does the SAM.gov lookup sometimes say it's not set up? That check depends on a government API key an admin configures. If it's not available, you'll see a clear message — and Capital still guides you through getting your UEI and registering yourself.