FidoHQ™Tell Fido Where You Stand
Share the decline reasons you received, or the financing you are aiming for. Fido translates lender language into plain English and pinpoints the gap.
Services · Financing Readiness
Get Fundable with Fido
Most declines are not bad businesses. They are fixable files. Fido reads your bank and books, finds the exact gap between you and the lender's requirements, then works a plan with you until you clear it.
How It Works
From decline to approval in four steps.
Connect Your Bank and Books
Fido verifies revenue and cash flow from real deposits, including the accounts an application never showed a lender.
Follow Your Path to Ready
Decline reasons become a personalized plan: documents to gather, credit errors to dispute, balances to hold, receivables to collect. Fido watches it with you.
Resubmit Lender-Ready
When you clear the bar, Fido packages verified cash-flow evidence so the lender sees the business you actually run.
Typical cycle: 30 to 90 days from decline to resubmission.
Your Path to Ready
One decline, one plan, one resubmission.
Declined for a $100,000 term loan
Example HVAC contractor · 14 months in business
Day 45
The file goes back to the lender with verified evidence attached. Approved for the full request.
| Marker | Lender requires | At decline | Day 45 |
|---|---|---|---|
| Cash-flow coverage | 1.25× | 0.71× | 1.38× |
| Personal credit | 625 | 612 | 641 |
| Verified annual revenue | $100K | $310K partial | $540K |
| Time in business | 12 mo | 14 mo | 15 mo |
Illustrative example. Every plan is built from your own bank and books, and lender requirements vary.
Readiness Check
Ask Fido one question and get a plain-language read on where you stand today, what a lender will look at, and what to fix first.
Free to start. Fido is not a lender and does not make credit decisions.