Hard Money Loan Underwriting Explained
How hard money lenders underwrite a loan: LTV and ARV limits, borrower liquidity and experience, DSCR on rental deals, and the exit strategy.
Read articleGuides on bank statement analysis, cash flow underwriting, SBA rules and credit risk for commercial lenders.
How hard money lenders underwrite a loan: LTV and ARV limits, borrower liquidity and experience, DSCR on rental deals, and the exit strategy.
Read articleAsset-based lending vs cash flow lending: what secures each loan, how lenders underwrite them, advance rates, leverage multiples and the cost.
Read articleSBA 7(a) DSCR requirements under SOP 50 10 8: the 1.15x floor for standard 7(a) loans, 1.10x for 7(a) Small Loans, and how lenders calculate coverage.
Read articleCommercial credit analysis is how banks judge a borrower's ability to repay: spread the financials, run cash flow and ratios, weigh the 5 Cs, then risk rate.
Read articleDetect loan stacking from bank statements by spotting multiple recurring daily or weekly MCA debits to different funders, high holdback and clustered NSFs.
Read articleA business debt schedule lists every loan, lease and note a company owes. What lenders look for in one, what to include, and how it drives the credit decision.
Read articleGlobal cash flow analysis combines a business, its affiliates and the guarantor's personal cash flow into one repayment view. How to calculate it.
Read articleA commercial loan review checklist for banks and credit unions: documents, re-spread cash flow and DSCR, risk rating, covenants and collateral.
Read articleA commercial loan credit memo template lenders actually use: the sections, the financial ratios, the risk write-up, and how analysts assemble it faster.
Read articleHow equipment finance underwriting works: where the app-only threshold sits, what a full package requires, and how to calculate DSCR on a lease.
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