The only AI-powered capital advisory designed for the Los Angeles and California small business community. We bridge the gap between your vision and the bank's underwriting.
No commitment required. Receive your readiness score in approximately 12 minutes.
Lending is more than just an algorithm. While our AI scans your financials for instant insights, our seasoned advisors step in to craft the narrative that banks need to hear.
Instant DSCR calculation, 10-category scoring, and lender-risk flagging — all in minutes.
A real advisor reviews your results, builds your narrative, and prepares you for the financing conversation.
Business owners come in thinking they need a loan. But the actual issue is almost always one of these — and none of them get fixed by submitting another application.
Find Out Where You StandBefore you apply, let us tell you whether you are actually ready, what is weak, what needs fixing, and how to present your business correctly.
Answer structured questions about your business financials, documentation status, credit profile, and funding goals. Takes approximately 12 minutes.
Our scoring engine analyzes your data across 10 lender-critical categories and calculates your Capital Readiness Score with a full category breakdown.
Get specific, actionable recommendations for each weak area — identifying exactly what a lender would question and how to address it before you apply.
Select the service tier that matches your readiness level — from a diagnostic review to full lender-ready package preparation and ongoing advisory.
A clear advisory ladder — from initial diagnostic to full preparation to ongoing strategic support.
Know where you stand before you apply.
A structured diagnostic that answers one critical question: is your business actually ready to pursue financing, and if not, what needs to be fixed first?
Your $997 fee is credited toward the Lender-Ready Package if you move forward.
Ideal for: Owners pursuing financing in the next 3–12 months
Get organized, strengthened, and packaged for your lender.
The implementation phase. APX organizes, strengthens, and presents your business in a way lenders can properly evaluate — from financial cleanup to a complete lender packet.
Packaging Fee by Loan Type
| Loan Type | Complexity | Fee |
|---|---|---|
| Business Line of Credit | Low | $1,500–$2,500 |
| Equipment Financing | Low–Medium | $2,000–$3,000 |
| Working Capital Loan | Medium | $2,500–$3,500 |
| SBA 7(a) — No Real Estate | Medium–High | $4,500–$6,500 |
| SBA 7(a) or 504 with RE | High | $6,500–$9,500 |
Ideal for: Businesses with fixable issues ready to take action
For businesses 6–18 months from funding.
Ongoing readiness subscription for businesses 6–18 months out from financing. Provides monthly score tracking, document checklist updates, and coaching.
Ideal for: Businesses 6–18 months from their financing goal
Real results from Los Angeles and California small business owners who got lender-ready with APX.
“I had been turned down twice before I found APX. They showed me exactly what the bank was seeing — and what I needed to fix. Six months later, I closed my SBA 7(a) for $350,000.”
Maria G.
Restaurante Familiar, East Los Angeles
“The Capital Readiness Score was eye-opening. I thought my financials were fine. APX showed me three specific things lenders would flag immediately. We fixed them in 60 days and got approved.”
Carlos R.
Wholesale Distribution, Commerce, CA
“As a bank officer, I refer clients to APX because they come back prepared. The lender packet APX produces is exactly what we need to move a file forward. It saves everyone time.”
Jennifer T.
Commercial Loan Officer, Los Angeles
Not sure where to start? Tell us about your business and a member of our team will reach out within 1–2 business days.
Complete the Capital Readiness Assessment and receive your score, category breakdown, and personalized improvement roadmap — at no cost.
Begin Your AssessmentTakes approximately 12 minutes. No commitment required.