Underwriting
Average monthly revenue
Definition
Average monthly revenue is total business deposits over a period divided by the number of months, and it is the single strongest predictor of both approval and amount.
Express Capital underwrites at $250,000+ in yearly revenue. Include every account that receives revenue when calculating it — businesses routing sales through two accounts routinely appear to earn half of what they earn.
Consistency matters alongside size: steady deposits underwrite better than the same annual total delivered in violent swings.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $250,000+ in yearly revenue, 1+ year in business, and a 580+ credit score is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded