Underwriting
Cash flow
Definition
Cash flow is the movement of money into and out of a business — and in funding, it is the primary basis on which capacity to repay is judged.
A profitable business can have poor cash flow if its money arrives later than it leaves, which is precisely the situation most short-term capital exists to solve. Underwriting looks at deposit volume, consistency, and how much is already committed.
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