Client Instruction Guide

How to Use the Funding Capacity Engine

A step-by-step walkthrough to help you navigate our institutional-grade estimation tool.

Mastering Your Estimation

The Goodlady Capacity Engine simulates how institutional credit committees evaluate your business. Use these instructions to get the most accurate result.

1 Set Your Annual Turnover

Adjust the top slider to represent your total gross revenue over the last 12 months. This should align with your most recent official accounts or business bank statements.

Pro Tip: If you have secured new recurring contracts recently, use your projected 12-month revenue for a "forward-looking" estimate.

2 Define Your Funding Goal

Move the second slider to the amount of capital you intend to raise. Whether for expansion, asset purchase, or cash flow support, this is your target injection.

3 Interpret Your Result

Our algorithm provides instant feedback based on the UK standard 30% revenue-to-debt ratio.

High Market Appetite (Green): Your request is considered low-risk. Lenders in our inner circle will likely compete for your business, offering the most attractive rates.

Threshold Case (Amber): You are nearing standard leverage limits. We may need to highlight specific business strengths (like your EBITDA or high debtor quality) to secure approval.

Complex Structure (Red): Your request exceeds standard benchmarks. This often requires a "Hybrid Structure"-for example, combining asset finance with an unsecured loan to reach your goal.

4 Request Final Verification

Once you have your indicative figures, click "Get Funded." This connects you to our intelligence desk via WhatsApp, pre-populating your results so we can begin the 24-hour approval process immediately.

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