Understanding underwriting
Underwriting is how a funding partner decides whether to extend financing, how much, and on what terms. Different products weigh different things — some focus on business revenue, some on personal credit, some on a specific asset or the credit quality of your customers.
What "underwriting" really refers to
Knowing what a particular product underwrites against is the difference between a smooth approval and a frustrating one. A business with thin personal credit but strong, consistent revenue may be a poor fit for traditional bank lending and a strong fit for revenue-based or invoice-backed structures.
Part of our role as a broker is matching the shape of your business — revenue patterns, time in business, credit profile, customer base — to the funding partners whose underwriting model actually fits.
What underwriting tells you about a financing offer
- Which financials and documents the funding partner requires
- How heavily personal credit, business credit, and revenue each weigh
- Whether a guarantor, collateral, or receivables are part of the decision
- Typical minimum thresholds for time in business and monthly revenue
What to ask a funding partner
- — What does this funding partner weigh most heavily — revenue, credit, or collateral?
- — Is my profile a natural fit for this product, or am I stretching for it?
- — What documentation will I need to provide, and how current does it need to 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 a financing product is built — what the lender is actually advancing, against what, and on what legal basis.
Learn moreRepayment
How and when you pay the financing back — daily, weekly, monthly, or as receivables settle — and what that means for cash flow.
Learn moreVariants
The common variations within a single product category — and why two funding partners can structure the same product very differently.
Learn moreTalk through your options with a specialist
No obligation. We'll walk through how structure, repayment, underwriting, and product variants apply to your situation.