Unlock Optimal Funding Instruments

Know where you stand
in 30 seconds.

Upload one bank statement. Get a financial-health Score and a short list of funding offers tailored to your business so you can make informed financial decisions — no credit application, no obligation, no spam.

Bank-grade encryptionYou own your dataSOC 2-grade audit trail
Your ScoreTier: Prime
82/ 100

Sample preview. Your real Score is computed from your bank statement using 15 weighted financial-health metrics.

Partner A
Working capital
7.4% APR
up to $250k
Partner B
Revenue-based
1.18× factor
up to $400k
Partner C
Line of credit
9.1% APR
up to $150k
§01What you get

Everything you need to understand your business’s financial health.

Score turns the bank statements you already have into a clear picture of where you stand — and what to do about it.

An instant Score from your bank statements

Upload a PDF statement and Score reads your deposits, balances and cash-flow patterns to produce a 0–100 financial-health number in seconds.

No credit pull — ever

Your Score is built entirely from your own bank data. There is no soft inquiry, no hard inquiry, and no impact on your credit.

See exactly how your Score is calculated

Score is computed from 15 weighted financial-health metrics, and every one is shown to you — no black box, no mystery number.

A clear path to improve it

Each metric comes with plain-English context so you can see which habits move your Score and what to focus on next.

Matched funding offers

Get a short list of funding products you actually qualify for, matched to your Score and business profile — no mass applications.

Bank-grade security and a real audit trail

Encrypted storage, database-level tenant isolation and a tamper-evident audit chain on every sensitive operation. You can request deletion at any time.

§02How it works

One statement. One Score. The right offers.

Built so a busy operator can complete it on their phone in a coffee-shop wifi window. No finance degree required.

01

Upload one statement

Connect your bank or drop a PDF. We read deposits, balances and cash-flow patterns — never your login.

02

See your Score in seconds

A 0–100 financial-health number, plus the 15 underlying metrics so you understand exactly why.

03

Get offers worth reading

A short list of funding products you actually qualify for. No mass-applied applications, no credit pull.

§03Why it’s free

You’re the customer. Not the product.

Funding partners pay us when you accept an offer. That’s the entire business model. You will never be charged for your Score. We don’t sell your data, share your contact info with anyone you haven’t approved, or run a credit inquiry to deliver this.

  • Your statement never leaves our owned infrastructure.
  • No soft or hard credit pull. Ever.
  • You decide which partner sees your full profile, one at a time.
  • You can delete your data on request, with proof of deletion.
◆ The pact
“If we ever owe you a refund, you’ll get it before you ask. If we ever store something we shouldn’t, the database refuses to write it. That’s the standard.”
The Score standard
How we operate, every day
§04Trust signals

Built like the fintech you wish you could buy from.

Compliance isn’t a checklist we’ll get to. It’s the foundation everything else sits on.

SOC 2-grade

Tamper-evident audit chain on every sensitive operation. Every read and write recorded with hash-chained integrity.

Multi-tenant isolation

Database row-level security means your records are mathematically invisible to other accounts — even to our own engineers without an audited cross-tenant query handle.

No PCI scope

Payment-method details, when applicable, are tokenized in our processor partner. Card numbers never touch our infrastructure.

Six CI security rules

Automated enforcement on every commit — credentials, sensitive reads, AI inputs, and audit immutability are structurally protected.

Thirty seconds. One Score.
Worth your time.

No credit card, no obligation, no follow-up call unless you accept an offer.

Or talk to us first

Have a question before you sign up? Send us a note and we’ll get back to you — or visit the contact page.

Talk to us

Questions about Score, your business situation, or how Rate Tracker works with funding partners? Drop us a note — we read every message.