Free BRAINS assessment

Is Your Business Ready to Borrow?

Fifteen questions across the six things every lender assesses: Business direction, Reason for funding, Affordability, Individuals, Numbers and Security. Your report appears straight away, free, with a score for each pillar and what to fix before you apply. No credit search is carried out.

BRAINS lender-readiness check

Step 1 of 7 – Business direction

Business directionReason for fundingAffordabilityIndividualsNumbersSecurityYour report

Business direction

Fifteen questions across the six BRAINS pillars: the same lens a lender uses. Answer honestly and your report appears straight away, free. No credit search is carried out.

Why lenders ask: Lenders back businesses that are going somewhere. A clear, realistic plan tells them the funding has a job to do.

How would you describe your growth plan for the next 24 months?*A documented plan with clear milestones and targetsA clear direction and a defined strategy, but not fully written downMaintaining our current size, stable but not actively expandingUncertain; we are reacting to the market as it develops

Does this funding request fit within a clear commercial strategy?*Absolutely; it is a deliberate, planned moveBroadly; it supports the direction we are headingPartly; we are still exploring the opportunityNot really; it is a reaction to current pressure

What Your Report Shows

A score for each pillar

Each BRAINS pillar is rated Strong, Needs work or Priority, with a radar chart that shows the shape of your case at a glance.

Your top priorities

The three answers a lender is most likely to question, ranked, each with a specific step to take before any application is made.

A PDF to keep

Download the full scorecard, or leave your email for a copy. Leaving details is optional; the report is yours either way.

Why Check Before You Apply

Most declines are predictable. A lender will usually turn a case down for a reason that could have been fixed or explained beforehand: out-of-date accounts, an unclear purpose, repayments that only work in a good month, or security already committed elsewhere.

Each application can leave a search on your credit file, and several declines in a short period make the next lender more cautious. Knowing where your case is weak before you apply protects your borrowing power, not just this application.

The assessment is a starting point. It is based on your own answers and is not a credit decision. If you would like a second opinion on the result, or help deciding what to fix first, we are happy to talk it through.

Read the BRAINS guide Talk to Pinks

Pinks Associates Limited, T/A Pinks Asset Finance, 4 Kings Avenue, Chichester, West Sussex, PO19 8EA, is an Appointed Representative of Moorgate Finance Ltd T/A MBN®. MBN is a trading style of Moorgate Finance Limited, which is authorised and regulated by the Financial Conduct Authority, FRN 662419. Pinks Associates Limited is an authorised credit broker and not a lender. We will receive commission from lenders. The assessment is guidance only and is not a credit decision or financial advice.