Intake the borrower
Capture business basics, use of funds, ownership, and target loan context in a structured onboarding flow.
Capital readiness for microlenders and advisory programs
Turn messy borrower prep into a lender-ready packet.
CapitalPacket gives microlenders, SBDCs, and capital-readiness teams one shared workflow for intake, document collection, readiness checks, and clean packet export before underwriting ever starts.
1loan type to start with
15borrowers in the first clean pilot
0claims about approval odds or underwriting magic
Borrower packet
Greenline Catering
Use of funds$85,000 expansion
Checklist progress11 / 14 complete
Missing
2025 balance sheet
Needed before packet export. Borrower has uploaded bank statements and tax returns.
Drafted
Repayment story
Narrative builder filled from the intake plus uploaded financials.
Partner queue
3 flagged borrowers
Missing ownership schedule
Revenue statement format mismatch
Needs partner follow-up on collateral
What this is
Not lender software. Not a chatbot with opinions. A readiness workflow.
Collect the packet
Map each borrower to one checklist template and gather the documents that actually matter for that financing path.
Flag missing or weak items
Turn hidden packet gaps into visible status so partner staff stop guessing what is still blocking submission.
Export a lender-ready packet
Assemble the summary, documents, and short narratives into one clean review surface before underwriting starts.
Why the wedge works
Start with SBA microloan readiness through one partner.
The first version should be narrow: one partner workspace, one checklist template, one borrower cohort. That keeps the product credible and gives the site a clear promise.
SBA microlenders
SBDC and capital-readiness advisors
CDFI-style community lenders
Accountants or consultants who package borrower applications
Screen map
Three product surfaces. One clean handoff from borrower prep to partner review.
Borrower workflow
Intake, checklist, uploads, readiness
01
Borrower onboarding
Business type, years in business, target loan amount, use of funds, and ownership in one clear start screen.
02
Checklist + uploads
Every required document tied to a checklist item with a clean upload flow and visible completion status.
03
Readiness summary
A simple view of what is complete, what is weak, and what still blocks a credible packet.
Partner workspace
Progress view, review queue, packet export
Capital readiness dashboard
12 active packetsActive borrowers by packet statusvisible
Missing-item counts by borrowervisible
Flagged cases that need human helpvisible
Narrative drafts and packet exportvisible
First pilot
The first commercial offer should be one partner, one loan type, and one cohort of 10 to 15 borrowers.
That is enough to prove the workflow, tighten the checklist, and show whether partner staff spend less time chasing missing packet items.