BORROWERS & INVESTORS
See Your Deal Through a Lender’s Eyes
Before you approach a lender, Underwrite360 can help you understand how the deal is likely to be viewed, what questions may come up and what you may need to prepare.
A lender will want to know how the loan gets repaid, what the numbers show, how much debt the business can handle, what collateral is available and how the deal is put together.
A Good Deal Still Has to Make Sense to the Lender
You may know why the opportunity makes sense.
The lender still has to understand the numbers, the debt, the collateral and the structure.
Underwrite360 helps you see the deal from that side before the lender reviews it.
Where a Pre-Lender Review Can Help
We can help you look at:
- cash flow
- debt capacity
- collateral
- leverage and liquidity
- possible credit issues
- deal structure
- financial information
- what the lender is likely to need
The goal is to understand the questions before the lender has to ask them.
Common Situations
Buying a Business
- Can the business support the debt?
- What does the cash flow show?
- How much borrowing does the deal require?
- What issues might a lender see?
Buying Equipment
- How does the new debt fit the business?
- What can the business support?
- Could the new loan affect existing obligations?
- What should be ready for the lender?
Loan Renewal Coming Up
- What do the current numbers show?
- Are there issues worth addressing now?
- Is the financial information current?
- What questions might come up at renewal?
Know What the Lender Is Looking At
Depending on the deal, a lender may look at:
- financial performance
- cash flow
- ability to repay
- debt
- liquidity
- collateral
- projections
- how the deal is structured
The goal is not to dress up the deal. It is to understand what the lender is going to see.
Find the Questions Before the Lender Does
Sometimes a lender needs more information because something in the deal needs explanation.
That could involve the numbers, existing debt, collateral, projections or the structure.
Finding those questions earlier gives you time to understand them and get the right information together.
Underwrite360 provides the independent credit perspective. We do not place loans or act as a broker.
Get the Information Ready
Preparation is not about creating a sales pitch.
It is about having current, organized information that helps the lender understand the request.
That may include:
- current financial statements
- historical financial information
- projections, when needed
- information about the deal
- collateral information
- existing debt and obligations
Underwrite360 helps you get ready for the questions that come before the financing decision.
Experience Behind the Review
Underwrite360 was built by career lenders and credit professionals.
Our experience includes:
- commercial underwriting
- financial analysis
- cash flow
- debt capacity
- collateral
- loan structure
- projections
- credit review
- committee preparation
That means your deal is being reviewed by people who understand how lenders look at commercial credit.
Start With the Deal in Front of You
Maybe you are buying a business.
Maybe you are financing equipment.
Maybe a loan renewal is coming up.
Maybe you want to understand how much debt the business can support.
Maybe you just want to know what a lender is likely to see.
Tell us what you are working on, and we can start there.
Independent underwriting. No loan placement. No brokerage.