How funding partners review your business
Underwriting means the partner checks your business. The partner decides if it can offer funds, how much, and on what terms. Some focus on your sales. Others check your credit, what you own, or whether your customers can pay.
What underwriting means
Knowing what a funding partner checks can make the review easier. A business owner may have little personal credit history but strong, steady business income. A standard bank loan may not fit. Revenue-based financing or funding backed by customer bills may fit better.
As a broker, we help find funding partners whose review process fits your business. We look at your income patterns, time in business, credit history, and customers.
How underwriting affects your funding
- Which financial reports and records the funding partner needs
- How much personal credit, business credit, and income matter
- Whether the review includes someone who promises to repay, property to back the funding, or unpaid customer bills
- The usual minimum time in business and monthly income
Questions to ask a funding partner
- — What matters most to this funding partner: income, credit, or property to back the funding?
- — Does this type of funding fit my business, or would I struggle to meet its needs?
- — What records do I need to share, and how recent must they be?
Funding is subject to approval and not all applicants will qualify. Terms, structures, and availability are determined by the funding partner.
Other funding concepts
Structure
How funding works: what you get, what backs it, and the legal agreement behind it.
Learn moreRepayment
How and when you pay the money back: daily, weekly, monthly, or when customers pay. Learn how this affects your available cash.
Learn moreVariants
The different forms of each type of funding, and why two partners may set them up very differently.
Learn moreTalk about your options with an advisor
We will explain how funding works, how payments work, and what partners review. No obligation.