Heartwood Prequalifyv2

A feasibility estimate before you apply — now with a full "why" behind every number

Your information stays private. Encrypted in transit, never sold or shared. Checking your estimate is not a credit inquiry and will not affect your credit score.

1. Your business

2. Your estimate

Tell us about your business

Enter your details, or upload documents and we'll fill this in for you — and give you a tighter estimate. Takes about a minute.

Industry

Requested loan amount

Years in operation

Jobs supported

Primary use of funds

Estimate only — this is not a loan offer or credit decision.

Likely feasible Moderate confidence

Here's your estimate — and everything behind it

Estimated interest rate

Most likely7.9%

7.1% range reflects data completeness, not a guarantee 9.2%

Estimated monthly payment $6,850 – $8,350 (likely ~$7,450)

We show a range, not one number, because a single figure would imply more certainty than the underlying data supports. This isn't a rate quote — actual underwriting can move it further.

Moderate confidence. Based on the details you entered manually.

Why this estimate

Requested amount vs. typical for industry

Favorable

Years in operation

Below typical

Jobs supported relative to loan size

Favorable

Use of funds (equipment purchase)

Favorable

Transparency & fairness

View the model card›

Data this estimate uses

Requested loan amount and term
Industry classification (NAICS code)
Years in operation
Jobs supported
Primary use of funds
Uploaded financial documents, if provided

Data this estimate never uses

Race, ethnicity, gender, marital status, religion, or national origin
Zip code or street address — deliberately excluded because location is a well-documented proxy for race given the history of redlining
Name, employer, or school — also excluded as indirect proxies

Known limitations

Trained on historical, aggregated SBA loan outcome data — not a live underwriting decision
Newer or smaller industry categories carry wider uncertainty ranges
Reflects patterns in past approved loans; may under-represent applicants historically underserved by traditional lending

Fairness metrics (illustrative example data for this prototype)

Industry group	Disparate impact ratio	Sample size
Healthcare & outpatient care	0.97	18,400
Food service	0.93	31,200
Retail trade	1.04	26,700
Professional services	1.01	22,900

Example figures only — not live production statistics. Calculated only across groups with at least 50 applicants so no individual can be identified. Target range: 0.80–1.25.

Your feedback

How did this compare to your official Loan Estimate or decision?

Thanks — this helps us calibrate how we communicate estimates. It does not automatically retrain the model; any use of outcome data for retraining goes through a separate fair-lending review first.

What we collected, and how to view, correct, or delete it›

We collected: your industry, requested amount, years in operation, jobs supported, use of funds, and any documents you attached.

View — request a copy of everything tied to this estimate
Correct — update any field and get a fresh estimate
Delete — your inputs are deleted automatically after 30 days, or immediately on request

This is an estimate, not an offer. It reflects patterns in aggregate historical SBA loan performance data and does not constitute a credit decision, pre-approval, or commitment to lend. Actual underwriting considers information this estimate does not have access to. Estimates are recalculated on a quarterly basis as new SBA performance data becomes available.