Underwriting
FICO score
Definition
A FICO score is the credit scoring model most commonly used by lenders, ranging from 300 to 850 and weighted toward payment history and amounts owed.
It is not the same model as the VantageScore shown by most free consumer apps, which is why the number a lender quotes back can differ substantially from the one on your phone.
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.
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