Underwriting
Consolidation
Definition
Consolidation replaces several existing obligations with a single facility, usually on a longer horizon, to reduce the combined periodic payment.
It is the productive alternative to taking an additional position when existing payments have outgrown cash flow. Consolidation does not reduce what is owed by itself — it changes the schedule so the business can operate while clearing it.
Express Capital Funding · Direct lender
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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.
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