Underwriting
Underwriting
Definition
Underwriting is the process of assessing whether and on what terms to extend capital, based primarily on a business's cash flow, history, and existing obligations.
At a direct lender the underwriter is deciding about the lender's own capital, which is why the decision can be made in-house and quickly. The analysis runs roughly in order: can the business service capital at all, how much of its cash flow is already committed, how long has it been operating, what does credit add, and does the requested amount fit.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $10,000+ in monthly revenue and 6+ months in business is the gate — a decision the same day, funding in as little as 24–48 hours.
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