Guides on bank statement analysis, cash flow underwriting, SBA rules and credit risk for commercial lenders.
Invoice factoring approves on your customers' credit and funds in a day or two. A bank line of credit is cheaper but harder to qualify for. Compared.
Read articleA concentration limit caps how much of a factoring facility rests on one debtor. Most factors cap eligibility at 15 to 30 percent per customer.
Read articleA freight factor underwrites the carrier and the brokers who pay. Authority, insurance, UCC liens, notice of assignment and debtor credit limits.
Read articleCDFIs lend where the credit score says no. The method: rebuild cash flow from bank statements, cross-check the tax return, and read account health.
Read articleAn MCA takes a fixed daily debit priced as a factor rate. Revenue based financing takes a percentage of monthly revenue, so the payment flexes.
Read articleHow lenders underwrite DSCR loans for real estate investors: the debt-service coverage ratio, the rent and payment inputs, reserves, and statements.
Read articleThe main non-QM loan programs, bank statement, DSCR, P&L, asset depletion and 1099, and how each one proves income when tax returns will not.
Read articleHow non-QM lenders turn 12 or 24 months of bank statements into qualifying income: eligible deposits, transfers to exclude, and the expense factor.
Read articleScienaptic does not publish pricing. What drives the cost of an AI credit-decisioning platform, the CUSO options, and cheaper paths for lenders.
Read articleHow AI credit decisioning works for US credit unions, what NCUA-friendly governance requires, and where document analysis fits in member business lending.
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