Plain-English
working capital.
The frameworks our own underwriters and reps are trained on, written for the owner. No jargon and no upsell. Read them before you talk to anyone, including us.
Six things an underwriter reads in your statements before anything else
Real revenue, the trend, negative days, existing debits, daily load and deposit rhythm. Know what is read and you know what to fix before you send.
5 minFactor is the total cost. Term is the size of the payment. They are different levers.
Most owners feel Friday's debit, not the multiplier. Here is how to read an offer so you are pulling the right lever.
4 minHow an advance gets sized, and why the maximum is usually the wrong number
Take too much and the daily remit chokes the business. Take too little and you are back in sixty days. Here is how we think about the amount.
3 minSecond positions, stacking, and when we tell you no
A second position is normal. A fifth is dangerous. What cumulative daily load means, and why walking away is sometimes the service.
4 minThis deal is how you earn the next one
Payment history is the currency of this business. What changes at renewal, when the window opens, and how early payoff fits in.
4 min